20 Willow Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 20 Willow Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,976 sqft · built 2001
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on Record
Last Sale	$575,000 (Mar 2005)
Tax Bill	$4,582 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`119-121-024-000`

Property Details

APN / Parcel Number

Primary APN	`119-121-024-000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	13,939 sqft (0.32 acres)
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	20 WILLOW RD
City	ROYAL OAKS
State	CA
Zip	95076-5610
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAS LOMAS TR 6 WLY 116.11 FT OF LOT 52 & RW WLY 116.11 FT OF LOT 52 & RW
Legal Subdivision	LAS LOMAS
Legal Tract	6
Legal Block	3
Legal Lot Number	52
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	3
Census Block	3005
Census Tract	14601

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	20 WILLOW RD, ROYAL OAKS, CA 95076-5610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 9, 2021	Intrafamily Transfer, Transfer · Line of Credit WELLS FARGO BANK NA
Sep 9, 2021	Affidavit of Death of Joint Tenant, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2005 · Amount on Record
Deed Sale	Mar 31, 2005 · Amount on Record
Prior Sale	Mar 9, 2000 · Amount on Record
Deed Document Number	200531218
Prior Transfer Date	Oct 8, 1996
Prior Transfer Doc	0000062065
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	20 WILLOW RD, ROYAL OAKS, CA 95076-5610
Transaction Type	Mortgage
Record Updated	Aug 31, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029520
Date	Jun 22, 2020
Instrument	2020029520

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Sep 9, 2021
Property Address	20 WILLOW RD, ROYAL OAKS, CA 95076-5610
Document Number	0000060469
Instrument Date	Sep 7, 2021
Instrument	2021060469
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WILLOW RD, ROYAL OAKS, CA 95076-5610

Mortgage

Document Number	0000060470
Date	Sep 9, 2021
Instrument	2021060470

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MONTEREY CA
Recording Date	Sep 9, 2021
Property Address	20 WILLOW RD, ROYAL OAKS, CA 95076-5610
Document Number	0000060468
Instrument Date	Sep 3, 2021
Instrument	2021060468
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WILLOW RD, ROYAL OAKS, CA 95076-5610

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	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$321,923 (+2%) Land $97,705 Building $224,218
2025	$4,582.00 (+36.37%) Homeowner's exemption	$315,612 (+4.04%) Land $95,790 Building $219,822
2023	$3,360.00 (+1.82%) Homeowner's exemption	$303,358 Land $92,071 Building $211,287
2022	$3,300.00

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	2 in force
Nearby Flood Claims	3 (1982–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.08% 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	CWSC LAS LOMAS private · serves 2,132 people · EPA ID CA2710013
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 124 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, GeoLinks.

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