Monterey County property record for 16540 Charles Schell Ln, Royal Oaks, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 877 sqft · built 1980 |
| Lot Size | 1.28 acres (56,192 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,004 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 127-252-071-000 |
| Primary APN | 127-252-071-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 877 sqft Living Area |
| 1st Floor Area | 877 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 56,192 sqft |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 16540 CHARLES SCHELL LN |
|---|---|
| City | ROYAL OAKS |
| State | CA |
| Zip | 95076-9185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VOL 8 PAR MAPS PG 143 PAR B 1.285 AC |
| Legal Block | 2 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | PAJARO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 10202 |
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 | PO BOX 1198, SAN MARTIN, CA 95046-1198 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 16540 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-9185 |
| Document Number | 0000025812 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16540 CHARLES SCHELL LN ROYAL OAKS CA 950769185, ROYAL OAKS, CA 95076-9185 |
| Document Number | 0000025812 |
|---|---|
| Date | May 16, 2017 |
| Instrument | 25812 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | MORGAN HILL, CA 95037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | North Monterey County Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $181,258 (+2%) Land $103,584 Building $77,674 | |
| 2025 | $2,004.00 (+4.38%) Homeowner's exemption | $177,704 (+4.04%) Land $101,553 Building $76,151 |
| 2023 | $1,920.00 (+0.68%) Homeowner's exemption | $170,805 Land $97,610 Building $73,195 |
| 2022 | $1,907.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 in force |
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.
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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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