184 Live Oak Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 184 Live Oak Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,073 sqft · built 1962
Lot Size	0.54 acres (23,528 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Oct 2018)
Tax Bill	$6,100 (2025)
Deeds & Mortgages	Sep 2024 Second Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`181-033-003-000`

Property Details

APN / Parcel Number

Primary APN	`181-033-003-000`
Alternative APN	`181-033-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,073 sqft Living Area
1st Floor Area	1,073 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Tar & Gravel
Lot Area	23,528 sqft (0.54 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	181-033-003
Street Address	184 LIVE OAK RD
City	ROYAL OAKS
State	CA
Zip	95076-5707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB OF L 10 LOS CARNEROS RO & OF POR OF SEC25 T12 R2 L 2 OF SUB 1 OF L 35 EXC SUB A
Legal Subdivision	LOS CARNEROS RCHO
Legal Tract	12
Legal Lot Number	10
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1000
Census Tract	10202

Owner

184 Live Oak Rd is owned by two individuals who acquired it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 SANTA FE RDG, APTOS, CA 95003-9643
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLEXPOINT INC
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 18, 2020	Correction Deed FIRST AMERICAN TITLE
Oct 26, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Deed Document Number	201849299
Last Transfer Date	Nov 13, 2020
Transfer Doc	0000067497
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	184 LIVE OAK RD, ROYAL OAKS, CA 95076-5707
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SOUTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SANTA FE RDG, APTOS, CA 95003-9643

Mortgage

Document Number	0000031644
Date	Sep 5, 2024
Instrument	2024031644

Lender

Name	FLEXPOINT INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	184 LIVE OAK RD, ROYAL OAKS, CA 95076-5707
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SANTA FE RDG, APTOS, CA 95003-9643

Mortgage

Document Number	0000067498
Date	Nov 18, 2020
Instrument	2020067498

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	184 LIVE OAK RD, ROYAL OAKS, CA 95076-5707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013023
Date	Mar 16, 2020
Instrument	2020013023

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	344 Months
Due	Nov 1, 2048

November 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 18, 2020
Property Address	184 LIVE OAK RD, ROYAL OAKS, CA 95076-5707
Document Number	0000067497
Instrument Date	Nov 13, 2020
Instrument	67497
Record Updated	Dec 1, 2020
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 SANTA FE RDG APTOS CA 950039643, APTOS, CA 95003-9643

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 26, 2018
Property Address	184 LIVE OAK RD, ROYAL OAKS, CA 95076-5707
Document Number	0000049299
Instrument Date	Oct 15, 2018
Instrument	2018049299
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	44 AMESTI RD, WATSONVILLE, CA 95076-1101

Mortgage

Document Number	0000049300
Date	Oct 26, 2018
Instrument	2018049300

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 184 Live Oak Rd was $6,100.

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		$517,706 (+2%) Land $369,791 Building $147,915
2025	$6,100.00	$507,556 Land $362,541 Building $145,015
2023	$5,434.00 (+1.76%)	$487,849 Land $348,464 Building $139,385
2022	$5,340.00

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

Flood

FEMA maps place 184 Live Oak Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.

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	3 in force
Nearby Flood Claims	7 (1997–2022)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 2 claims

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 184 Live Oak Rd is moderate, ranking above 56% 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 56% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 33 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: Cruzio, T-Mobile.

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