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

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 800 sqft · built 1957
Lot Size	0.163 acres (7,087 sqft)
Owner	Individual Name on Record
Last Sale	$419,000 (Feb 2020)
Tax Bill	$6,262 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`119-151-008-000`

Property Details

APN / Parcel Number

Primary APN	`119-151-008-000`
Alternative APN	`119-151-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Tar & Gravel
Lot Area	7,087 sqft (0.163 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	119-151-008
Street Address	15 SILL RD
City	ROYAL OAKS
State	CA
Zip	95076-5621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAS LOMAS TR 5A SUB F OF ASSRS LOT 1
Legal Subdivision	LAS LOMAS
Legal Tract	5A
Legal Block	1
Legal Lot Number	1
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1003
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	Individual Name on Record
Mailing Address	15 SILL RD, ROYAL OAKS, CA 95076-5621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 22, 2025	Deed of Trust, Mortgage · Line of Credit BAY FCU
Feb 12, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2019	Trustee's Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2020 · Amount on Record
Deed Sale	Feb 12, 2020 · Amount on Record
Prior Sale	Jul 26, 2019 · Amount on Record
Deed Document Number	20207269
Prior Transfer Date	Nov 28, 2006
Prior Transfer Doc	0000105328
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	15 SILL RD, ROYAL OAKS, CA 95076-5621
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SOUTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SILL RD, ROYAL OAKS, CA 95076-5621

Mortgage

Document Number	0000033416
Date	May 10, 2021
Instrument	2021033416

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	15 SILL RD, ROYAL OAKS, CA 95076-5621
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SILL RD, ROYAL OAKS, CA 95076-5621

Mortgage

Document Number	0000031363
Date	Sep 22, 2025
Instrument	2025031363

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Feb 12, 2020
Property Address	15 SILL RD, ROYAL OAKS, CA 95076-5621
Document Number	0000007269
Map Reference	VOL 4 PG 2
Instrument Date	Jan 27, 2020
Instrument	2020007269
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Tenants in Severalty
Address	15 SILL RD, ROYAL OAKS, CA 95076-5621

Mortgage

Document Number	0000007270
Date	Feb 12, 2020
Instrument	2020007270

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 26, 2019
Property Address	15 SILL RD, ROYAL OAKS, CA 95076-5621
Document Number	0000031220
Instrument Date	Jul 23, 2019
Instrument	31220
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$450.67
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	15 SILL RD ROYAL OAKS CA 950765621, ROYAL OAKS, CA 95076-5621
Investor	Possibly a Property Investor

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		$467,397 (+2%) Land $306,766 Building $160,631
2025	$6,262.00 (+29.01%) Homeowner's exemption	$458,233 (+4.04%) Land $300,751 Building $157,482
2023	$4,854.00 (+1.78%) Homeowner's exemption	$440,441 Land $289,073 Building $151,368
2022	$4,769.00

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 100 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	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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