545 Elkhorn Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 545 Elkhorn Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,653 sqft · built 2000
Lot Size	11.4 acres (498,762 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Feb 1998)
Tax Bill	$16,108 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`412-022-009-000`

Property Details

APN / Parcel Number

Primary APN	`412-022-009-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,653 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	498,762 sqft
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	545 ELKHORN RD
City	ROYAL OAKS
State	CA
Zip	95076-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 19 PAR MAPS PG 47 PAR 3 11.45 AC EXC SCENIC EASE TO MTY CO R3041-1134
Legal Block	2
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	2
Census Block	2041
Census Tract	14601

Owner

545 Elkhorn Rd is owned and occupied by two individuals who bought it in February 1998.

Source: Monterey County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 ELKHORN RD, ROYAL OAKS, CA 95076-9203
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 1998 · Amount on File
Deed Sale	Feb 4, 1998 · Amount on File
Deed Document Number	19986264
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	545 ELKHORN RD, ROYAL OAKS, CA 95076-9203
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 ELKHORN RD, ROYAL OAKS, CA 95076-9203

Mortgage

Document Number	0000007286
Date	Feb 11, 2022
Instrument	2022007286

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 545 Elkhorn Rd was $16,108 with a homeowner's exemption.

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		$1,391,770 (+2%) Land $293,145 Building $1,098,625
2025	$16,108.00 Homeowner's exemption	$1,364,482 Land $287,398 Building $1,077,084
2023	$14,329.00 (+1.78%) Homeowner's exemption	$1,311,499 Land $276,239 Building $1,035,260
2022	$14,078.00

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

Flood

FEMA maps place 545 Elkhorn Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Severe Storm And Flooding, Mar 2023 · 8 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 4 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

Wildfire risk around 545 Elkhorn Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 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