558 Lewis Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 558 Lewis Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,887 sqft · built 2007
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (May 2015)
Tax Bill	$9,147 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`412-042-015-000`

Property Details

APN / Parcel Number

Primary APN	`412-042-015-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,887 sqft Living Area
1st Floor Area	1,887 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	27,443 sqft (0.63 acres)
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	558 LEWIS RD
City	ROYAL OAKS
State	CA
Zip	95076-5300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RANCHO BOLSA DE SAN CAYETANO PARCEL 2 AS SHOWN ON R/S VOL 1 PARCELS PG34 RW & EXC RW
Legal Subdivision	RANCHO BOLSA DE SAN CAYETANO
Legal Block	3
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	3
Census Block	3000
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	Individual Name on Record
Mailing Address	558 LEWIS RD, ROYAL OAKS, CA 95076-5300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 24, 2020	Deed of Trust, Mortgage · VA Mortgage MASON MCDUFFIE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2015 · Amount on Record
Deed Sale	May 5, 2015 · Amount on Record
Prior Sale	Jan 3, 1997 · Amount on Record
Deed Document Number	201523219
Prior Transfer Date	Dec 23, 1996
Prior Transfer Doc	0000000490
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	558 LEWIS RD, ROYAL OAKS, CA 95076-5300
Transaction Type	Mortgage
Record Updated	Oct 3, 2022
Title Company	FIRST AMERICAN TITLE SOUTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 LEWIS RD, ROYAL OAKS, CA 95076-5300

Mortgage

Document Number	0000038846
Date	Sep 20, 2022
Instrument	2022038846

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	558 LEWIS RD, ROYAL OAKS, CA 95076-5300
Document Number	0000021330
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	556 LEWIS RD ROYAL OAKS CA 950765300, ROYAL OAKS, CA 95076-5300

Mortgage

Document Number	0000021330
Date	May 1, 2020
Instrument	21330

Lender

Name	MASON MCDUFFIE MTG
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

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		$789,814 (+2%) Land $301,268 Building $488,546
2025	$9,147.00 (+12.38%) Homeowner's exemption	$774,328 (+4.04%) Land $295,361 Building $478,967
2023	$8,139.00 (+1.76%) Homeowner's exemption	$744,262 Land $283,893 Building $460,369
2022	$7,998.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1982–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.09% 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	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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250

May also be available: Cruzio, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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