1681 Andreas Estates Pl, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 1681 Andreas Estates Pl, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,489 sqft · built 1992
Lot Size	1.84 acres (80,399 sqft)
Owner	2 Individual Names on File
Last Sale	$1,420,000 (Aug 2023)
Tax Bill	$19,515 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`412-131-009-000`

Property Details

APN / Parcel Number

Primary APN	`412-131-009-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	15 Rooms
Stories	3 Stories
Building Area	3,489 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	80,399 sqft
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1681 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 9 1.869 AC EXC SCENIC EASE TO CO OF MNTY R1521-395
Legal Subdivision	ANDREAS ESTATES
Legal Tract	1097
Legal Block	1
Legal Lot Number	9
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1006
Census Tract	10102

Owner

1681 Andreas Estates Pl is owned and occupied by two individuals who bought it in August 2023.

Source: Monterey County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1681 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Dec 12, 2022	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 5, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on File
Deed Sale	Aug 17, 2023 · Amount on File
Prior Sale	Dec 12, 2022 · Amount on File
Deed Document Number	202325511
Prior Transfer Date	May 8, 2020
Prior Transfer Doc	0000023338
Record Updated	Oct 29, 2026

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 17, 2023
Property Address	1681 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Document Number	0000025511
Map Reference	VOL 16 PG 63
Instrument Date	Aug 11, 2023
Instrument	2023025511
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	5435 WOODHURST LN, SAN JOSE, CA 95123-1352

Mortgage

Document Number	0000025512
Date	Aug 17, 2023
Instrument	2023025512

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Sep 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Max Rate	11.1%

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 12, 2022
Property Address	1681 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Document Number	0000051693
Map Reference	VOL 16 PG 63
Instrument Date	Dec 1, 2022
Instrument	2022051693
Transaction Type	Transfer
Record Updated	Dec 22, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount 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	10010 MONROE AVE, APTOS, CA 95003-4917

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	May 15, 2020
Property Address	1681 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Document Number	0000023338
Instrument Date	May 8, 2020
Instrument	23338
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1681 ANDREAS ESTATES PL ROYAL OAKS CA 950769321, ROYAL OAKS, CA 95076-9321

November 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTEREY CA
Recording Date	Nov 5, 2019
Property Address	1681 ANDREAS ESTATES PL, ROYAL OAKS, CA 95076-9321
Document Number	0000052376
Instrument Date	Oct 14, 2019
Instrument	52376
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1681 ANDREAS ESTATES PL ROYAL OAKS CA 950769321, ROYAL OAKS, CA 95076-9321

Tax Assessment & Valuation

The 2025 property tax bill for 1681 Andreas Estates Pl was $19,515.

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		$1,477,368 (+2%) Land $624,240 Building $853,128
2025	$19,515.00	$1,448,400 Land $612,000 Building $836,400
2023	$17,738.00 (+64.01%)	$1,400,000 Land $600,000 Building $800,000
2022	$10,815.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1681 Andreas Estates Pl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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

Wildfire risk around 1681 Andreas Estates Pl is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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