431 Maher Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 431 Maher Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 957 sqft · built 1962
Lot Size	1.75 acres (76,293 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Jul 2015)
Tax Bill	$6,504 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`181-111-006-000`

Property Details

APN / Parcel Number

Primary APN	`181-111-006-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	957 sqft Living Area
1st Floor Area	957 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	L-Shape
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	76,293 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	431 MAHER RD
City	ROYAL OAKS
State	CA
Zip	95076-9051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHET MOORE ACRES LOT 15 1.79 AC
Legal Subdivision	CHET MOORE ACRES
Legal Lot Number	15
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	3
Census Block	3007
Census Tract	10202

Owner

Source: Monterey County records · APN 181-111-006-000

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	431 MAHER RD, ROYAL OAKS, CA 95076-9051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 07, 2015 · Amount on Record
Deed Sale	Jul 07, 2015 · Amount on Record
Deed Document Number	201536774
Last Transfer Date	Sep 23, 2022
Transfer Doc	0000040183
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Sep 30, 2022
Property Address	431 MAHER RD, ROYAL OAKS, CA 95076-9051
Document Number	0000040183
Map Reference	VOL 5 PG 42
Instrument Date	Sep 23, 2022
Instrument	2022040183
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	STEWART TITLE OF CA INC

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	431 MAHER RD, ROYAL OAKS, CA 95076-9051

Mortgage

Document Number	0000040184
Date	Sep 30, 2022
Instrument	2022040184

Lender

Name	BAY FCU
Type	Credit Union
Address	CAPITOLA, CA 95010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Nov 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated August 6, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Unified School District	Aromas-San Juan Unified School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2026		$579,580 (+2%) Land $452,800 Building $126,780
2025	$6,504.00 (+9.86%) Homeowner's exemption	$568,217 (+4.04%) Land $443,922 Building $124,295
2023	$5,920.00 (+1.54%) Homeowner's exemption	$546,154 Land $426,685 Building $119,469
2022	$5,830.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	4 in force
Nearby Flood Claims	10 (1995–2023)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 2 claims Severe Winter Storms And Flooding, Feb 1998 · 2 claims

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 69% of California
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
AT&T DSL	100 / 20

Based on FCC filings for 47 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CHETMOORE ACRES WA private · serves 59 people
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.