15 Gregory Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 15 Gregory Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,619 sqft · built 2000
Lot Size	0.226 acres (9,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jun 2015)
Tax Bill	$7,159 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`119-191-012-000`

Property Details

APN / Parcel Number

Primary APN	`119-191-012-000`
Alternative APN	`119-191-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,619 sqft Living Area
1st Floor Area	1,619 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	9,829 sqft (0.226 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	119-191-012
Street Address	15 GREGORY RD
City	ROYAL OAKS
State	CA
Zip	95076-5509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALTA LOMA SUBDIVISION VOL 21 C&T PG 13 TRACT 1346 LOT 3 9,829 SQ FT
Legal Subdivision	ALTA LOMA SUBDIVISION
Legal Tract	1346
Legal Block	1
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1001
Census Tract	14601

Owner

Source: Monterey County records, as of August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 GREGORY RD, ROYAL OAKS, CA 95076-5509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2015 · Amount on Record
Deed Sale	Jun 26, 2015 · Amount on Record
Prior Sale	Sep 24, 2008
Deed Document Number	201534260
Prior Transfer Date	Nov 3, 2011
Prior Transfer Doc	0000063422
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	15 GREGORY RD, ROYAL OAKS, CA 95076-5509
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SOUTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 GREGORY RD, ROYAL OAKS, CA 95076-5509

Mortgage

Document Number	0000031256
Date	Apr 30, 2021
Instrument	2021031256

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	15 GREGORY RD, ROYAL OAKS, CA 95076-5509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030051
Date	Jul 9, 2018
Instrument	2018030051

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	15 GREGORY RD, ROYAL OAKS, CA 95076-5509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031770
Date	Jul 1, 2020
Instrument	2020031770

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2040

Tax Assessment & Valuation

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		$539,381 (+2%) Land $171,619 Building $367,762
2025	$7,159.00 (+26.64%)	$528,805 (+4.04%) Land $168,254 Building $360,551
2023	$5,653.00 (+1.75%)	$508,272 Land $161,721 Building $346,551
2022	$5,556.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (1996–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 76% 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	CWSC LAS LOMAS private · serves 2,132 people · EPA ID CA2710013
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio.

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