16575 Charles Schell Ln, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 16575 Charles Schell Ln, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,882 sqft · built 1991
Lot Size	2.53 acres (110,541 sqft)
Owner	Individual Name on Record
Last Sale	$818,000 (Jun 2018)
Tax Bill	$10,135 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`127-252-092-000`

Property Details

APN / Parcel Number

Primary APN	`127-252-092-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,882 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Architectural Style	Other
Construction Type	Wood
Lot Area	110,541 sqft (2.53 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	16575 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 4 2.52 AC EXC SCENIC EASM'T R3091-1563
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	2
Census Block	2003
Census Tract	10202

Owner

Source: Monterey County records, as of October 20, 2025

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	16575 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2017	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Jun 8, 2018	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2018 · Amount on Record
Deed Sale	Jun 8, 2018 · Amount on Record
Prior Sale	Apr 30, 2012 · Amount on Record
Deed Document Number	2018025358
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	16575 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014923
Date	Mar 20, 2017
Instrument	2017014923

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	16575 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16575 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419

Mortgage

Document Number	0000069376
Date	Nov 24, 2020
Instrument	2020069376

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 8, 2018
Property Address	16575 CHARLES SCHELL LN, ROYAL OAKS, CA 95076-8419
Document Number	0000025358
Map Reference	VOL19 PG76
Instrument Date	May 30, 2018
Instrument	2018025358
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16575 CHALRES SCHELL LN, ROYAL OAKS, CA 95076-8419

Mortgage

Document Number	0000025360
Date	Jun 8, 2018
Instrument	2018025360

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

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
2025	$10,135.00 (+4.22%) Homeowner's exemption	$930,740 (+4.04%) Land $398,238 Building $532,502
2023	$9,725.00 (+0.55%) Homeowner's exemption	$894,600 Land $382,775 Building $511,825
2022	$9,672.00

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.

Nearby Properties on Charles Schell Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures