Monterey County property record for 45 Verde Way, Royal Oaks, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,427 sqft · built 1963 |
| Lot Size | 0.378 acres (16,456 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,158 (2025) |
| Deeds & Mortgages | Sep 2017 Reverse Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 117-102-018-000 |
| Primary APN | 117-102-018-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,427 sqft Living Area |
| 1st Floor Area | 1,427 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Wood Shingle |
| Lot Area | 16,456 sqft (0.378 acres) |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 45 VERDE WAY |
|---|---|
| City | ROYAL OAKS |
| State | CA |
| Zip | 95076-5420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNNY MESA NO 2 LOT 6 |
| Legal Subdivision | SUNNY MESA NO 2 |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | PAJARO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 14601 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 45 VERDE WAY, ROYAL OAKS, CA 95076-5420 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 28, 2017 | Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC |
| Sep 20, 2017 | Deed of Trust, Mortgage COMMISSIONER OF HSNG & URBAN D |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 6, 1995 |
| Transfer Doc | 0033100393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 45 VERDE WAY, ROYAL OAKS, CA 95076-5420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | PLACER TITLE CO ER SPL |
| Name | Verified Name |
|---|
| Document Number | 0000052143 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 2017052143 |
| Name | LIVE WELL FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23225 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 825 Months |
| Due | Jun 18, 2086 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.6% |
| Type Change Date | Oct 1, 2018 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 45 VERDE WAY, ROYAL OAKS, CA 95076-5420 |
| Document Number | 0000052144 |
| Instrument Date | Sep 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 45 VERDE WAY ROYAL OAKS CA 950765420, ROYAL OAKS, CA 95076-5420 |
| Document Number | 0000052144 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 52144 |
| Name | COMMISSIONER OF HSNG & URBAN D |
|---|
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.6% |
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $107,658 (+2%) Land $15,658 Building $92,000 | |
| 2025 | $2,158.00 (+10.72%) Homeowner's exemption | $105,548 (+4.04%) Land $15,351 Building $90,197 |
| 2024 | $1,949.00 (+61.88%) | |
| 2023 | $1,204.00 (+1.86%) Homeowner's exemption | $101,451 Land $14,755 Building $86,696 |
| 2022 | $1,182.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 12 (1995–2023) |
| Claims Outside the SFHA | 2 of 12 |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PSMCSD - SUNNY MESA serves 880 people · EPA ID CA2700773 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2023 |
| Also Mapped Here | PSMCSD - PAJARO |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 120 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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