48 Thomas Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 48 Thomas Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1999
Lot Size	0.351 acres (15,303 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,500 (Jul 2013)
Tax Bill	$6,530 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`119-182-032-000`

Property Details

APN / Parcel Number

Primary APN	`119-182-032-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,303 sqft (0.351 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 THOMAS RD
City	ROYAL OAKS
State	CA
Zip	95076-5567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 20 PAR MAPS PG 3 PAR B .35 AC APROX EXC SCENIC EASE TO MTY CO R3426-1158
Legal Block	1
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	1
Census Block	1005
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	2 Individual Names on Record
Mailing Address	48 THOMAS RD, ROYAL OAKS, CA 95076-5567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 23, 2017	Quit Claim Deed, Transfer · Conventional Mortgage ALTERRA HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2013 · Amount on Record
Deed Sale	Jul 18, 2013 · Amount on Record
Prior Sale	Aug 12, 2008 · Amount on Record
Deed Document Number	201345257
Last Transfer Date	May 16, 2017
Transfer Doc	0000027303
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	48 THOMAS RD, ROYAL OAKS, CA 95076-5567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 THOMAS RD, ROYAL OAKS, CA 95076-5567

Mortgage

Document Number	0000044890
Date	Aug 31, 2020
Instrument	2020044890

Lender

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

Agreement

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

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	May 23, 2017
Property Address	48 THOMAS RD, ROYAL OAKS, CA 95076-5567
Document Number	0000027303
Instrument Date	May 16, 2017
Instrument	27303
Transaction Type	Transfer
Record Updated	Jun 7, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	48 THOMAS RD ROYAL OAKS CA 950765567, ROYAL OAKS, CA 95076-5567

Mortgage

Document Number	27304
Date	May 23, 2017
Instrument	27304

Lender

Name	ALTERRA HM LNS
Address	350 S RAMPART BLVD # 310, LAS VEGAS, NV 89145-5758

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

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		$484,579 (+2%) Land $235,392 Building $249,187
2025	$6,530.00 (+28.19%)	$475,078 (+4.04%) Land $230,777 Building $244,301
2023	$5,094.00 (+1.74%)	$456,631 Land $221,816 Building $234,815
2022	$5,007.00

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (1996–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.06% 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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
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.

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