575 SAN PEDRO AVE #2 MORGAN HILL CA 950375234, 2, MORGAN HILL, CA 95037-5234
Mortgage
Document Number
0000024298
Date
May 21, 2020
Instrument
24298
Lender
Name
HOMETRUST BK
Type
Bank
Address
ASHEVILLE, NC 28802
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
360 Months
Due
May 20, 2050
Interest
Rate Type
Adjustable Rate
May 2020: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
MONTEREY CA
Recording Date
May 21, 2020
Property Address
1400 OAKLEAF DR, ROYAL OAKS, CA 95076-9304
Document Number
0000024296
Map Reference
MB 4 PG 116
Instrument Date
May 12, 2020
Instrument
2020024296
Transaction Type
Transfer
Record Updated
Aug 19, 2021
Title Company
CHICAGO TITLE COMPANY
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1400 OAKLEAF DR, ROYAL OAKS, CA 95076-9304
Mortgage
Document Number
0000024297
Date
May 21, 2020
Instrument
2020024297
Lender
Name
FREMONT BANK
Type
Bank
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jun 1, 2050
Mortgage
Document Number
0000024298
Date
May 21, 2020
Instrument
2020024298
Lender
Name
HOMETRUST BANK
Type
Bank
Address
ASHEVILLE, NC 28802
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
360 Months
Due
May 20, 2050
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
Tax Assessment & Valuation
The 2025 property tax bill for 1400 Oakleaf Dr was $12,318 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
Property Jurisdictions
Type
Name
State
California
County
Monterey County
Unified School District
Pajaro Valley Joint Unified School District (KG - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
2026
$858,944 (+2%)Land $418,317Building $440,627
2025
$12,318.00Homeowner's exemption
$842,103Land $410,115Building $431,988
2023
$11,237.00 (+1.28%)Homeowner's exemption
$809,405Land $394,191Building $415,214
2022
$11,095.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 1400 Oakleaf Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective July 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone X minimal risk
Flood Insurance Requirement
Not required lenders may require it
Community Rating System
Class 7 (15% premium discount)
Nearby Flood Policies
6 in force
Nearby Flood Claims
2 (1978–2023)
Most Recent Claim
Mar 2023 · Severe Storm And Flooding
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire
Wildfire risk around 1400 Oakleaf Dr is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Moderate above 43% of the US · lower than 74% of California
Wildfire Likelihood
0.06% annual chance
Exposure
Direct burnable vegetation
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Drinking Water
Source: EPA Safe Drinking Water Information System, as of September 2026
Water System
PSMCSD - VEGA RD WS #01 private · serves 438 people · EPA ID CA2700787
Water Source
Groundwater
Last State Inspection
Dec 2023
Also Mapped Here
PSMCSD - PAJARO
Lead
1 ppb (2022–2024) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
None last 3 years
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Internet Providers
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025