16555 Charles Schell Ln, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 16555 Charles Schell Ln, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,840 sqft · built 1995
Lot Size	5.01 acres (218,236 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jun 2011)
Tax Bill	$6,503 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`127-252-090-000`

Property Details

APN / Parcel Number

Primary APN	`127-252-090-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,840 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	218,236 sqft
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	16555 CHARLES SCHELL LN
City	ROYAL OAKS
State	CA
Zip	95076-8419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 19 PAR MAPS PG 76 PAR 2 5.01 AC EXC SCENIC EASMT R3091-1563
Legal Subdivision	PM19 76
Legal Block	2
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	2
Census Block	2000
Census Tract	10202

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	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PIC CAPITAL INC
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2011 · Amount on Record
Deed Sale	Jun 27, 2011 · Amount on Record
Prior Sale	Mar 24, 2011 · Amount on Record
Deed Document Number	201135400
Prior Transfer Date	Sep 25, 2006
Prior Transfer Doc	0000086303
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Transaction Type	Mortgage
Record Updated	Aug 3, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419

Mortgage

Document Number	0000031551
Date	Jul 21, 2022
Instrument	2022031551

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Transaction Type	Mortgage
Record Updated	Jan 10, 2022
Title Company	TIMIOS TITLE INC, TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419

Mortgage

Document Number	0000085686
Date	Dec 28, 2021
Instrument	2021085686

Lender

Name	PIC CAPITAL INC
Type	Mortgage Company
Address	CORONA, CA 92883

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16555 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419

Mortgage

Document Number	0000042111
Date	Jun 16, 2021
Instrument	2021042111

Lender

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

Agreement

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

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	North Monterey County Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$597,693 (+2%) Land $332,052 Building $265,641
2025	$6,503.00 (+4.2%)	$585,975 (+4.04%) Land $325,542 Building $260,433
2023	$6,241.00 (+0.55%)	$563,222 Land $312,901 Building $250,321
2022	$6,207.00

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	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.

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 79% 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.

Internet Providers

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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