4 Elsa St, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 4 Elsa St, Royal Oaks, CA 95076

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 2 ba · 1,891 sqft · built 1978
Lot Size	0.142 acres (6,171 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jun 2018)
Tax Bill	$8,736 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`117-371-010-000`

Property Details

APN / Parcel Number

Primary APN	`117-371-010-000`
Alternative APN	`117-371-010`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,891 sqft Living Area
1st Floor Area	1,891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	6,171 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport
Total Buildings	2 Buildings

Location & Zoning

Old Parcel Number	117-371-010
Street Address	4 ELSA ST
City	ROYAL OAKS
State	CA
Zip	95076-5210
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KALLS SUBD NO 1 LOT 4 BLK D
Legal Subdivision	KALLS SUBD NO 1
Legal Block	D
Legal Lot Number	4
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1000
Census Tract	10101

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	2 Individual Names on Record
Mailing Address	4 ELSA ST, ROYAL OAKS, CA 95076-5210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 29, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Deed Document Number	201828887
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	4 ELSA ST, ROYAL OAKS, CA 95076-5210
Transaction Type	Mortgage
Record Updated	Mar 30, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ELSA ST, ROYAL OAKS, CA 95076-5210

Mortgage

Document Number	0000008261
Date	Mar 20, 2023
Instrument	2023008261

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Oct 1, 2051

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 29, 2018
Property Address	4 ELSA ST, ROYAL OAKS, CA 95076-5210
Document Number	0000028887
Instrument Date	May 28, 2018
Instrument	28887
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4 ELSA ST ROYAL OAKS CA 950765210, ROYAL OAKS, CA 95076-5210

Mortgage

Document Number	28888
Date	Jun 29, 2018
Instrument	28888

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

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		$638,257 (+2%) Land $290,143 Building $348,114
2025	$8,736.00 (+21.59%)	$625,743 (+4.04%) Land $284,454 Building $341,289
2023	$7,185.00 (+1.81%)	$601,447 Land $273,409 Building $328,038
2022	$7,057.00

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 AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 114 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	114 in force
Nearby Flood Claims	132 (1982–2023)
Claims Outside the SFHA	5 of 132
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 11 claims Severe Storm And Flooding, Mar 2023 · 71 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 44 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 - PAJARO serves 3,500 people · EPA ID CA2710020
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	1 ppb (2023–2025) 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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