1650 Andreas Estates Pl, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 1650 Andreas Estates Pl, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,794 sqft · built 1995
Lot Size	4.21 acres (183,823 sqft)
Owner	Individual Name on Record
Last Sale	$1,315,000 (Sep 2025)
Tax Bill	$18,457 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`412-131-002-000`

Property Details

APN / Parcel Number

Primary APN	`412-131-002-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,794 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Other
Construction Type	Wood
Lot Area	183,823 sqft
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1650 ANDREAS ESTATES PL
City	ROYAL OAKS
State	CA
Zip	95076-9321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDREAS ESTATES TRACT 1097 LOT 2 4.222 AC EXC SCENIC EASE TO CO OF MNTY R2341-1152
Legal Subdivision	ANDREAS ESTATES
Legal Tract	1097
Legal Block	1
Legal Lot Number	2
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1006
Census Tract	10102

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	1650 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 4, 2022	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Mar 4, 2022 · Amount on Record
Deed Document Number	202531966
Prior Transfer Date	Oct 16, 2006
Prior Transfer Doc	0000092827
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 25, 2025
Property Address	1650 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Document Number	0000031966
Map Reference	MB 16 PG 63
Instrument Date	Sep 14, 2025
Instrument	2025031966
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	FIRSTAMERICAN 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
Address	1650 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321

Mortgage

Document Number	0000031967
Date	Sep 25, 2025
Instrument	2025031967

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 4, 2022
Property Address	1650 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Document Number	0000010873
Map Reference	MB 16 PG 63
Instrument Date	Feb 22, 2022
Instrument	2022010873
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	1650 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321

Mortgage

Document Number	0000010874
Date	Mar 4, 2022
Instrument	2022010874

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

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		$1,315,000 (-2.04%) Land $600,000 Building $715,000
2025	$18,457.00 (+10.4%)	$1,342,427 (+4.04%) Land $626,112 Building $716,315
2023	$16,718.00 (+84.55%)	$1,290,300 Land $601,800 Building $688,500
2022	$9,059.00

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
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

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

Wildfire Risk	Moderate above 47% of the US · lower than 72% of California
Wildfire Likelihood	0.08% 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Cruzio.

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