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

Monterey County property record for 792 Lewis Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 1945
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (May 2017)
Tax Bill	$7,755 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`412-052-005-000`

Property Details

APN / Parcel Number

Primary APN	`412-052-005-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
1st Floor Area	1,720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Other
Construction Type	Wood
Lot Area	21,780 sqft (0.5 acres)
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	792 LEWIS RD
City	ROYAL OAKS
State	CA
Zip	95076-9332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1 OF SUB A OF SW1/4 OF SW1/4 SEC13 T12 R2 1/2 AC
Legal Tract	12
Legal Block	3
Legal Lot Number	1
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	792 LEWIS RD, ROYAL OAKS, CA 95076-9332
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 5, 2017	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2017 · Amount on Record
Deed Sale	May 5, 2017 · Amount on Record
Prior Sale	Oct 22, 2013 · Amount on Record
Deed Document Number	201724081
Prior Transfer Date	Oct 20, 2016
Prior Transfer Doc	0000065172
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	792 LEWIS RD, ROYAL OAKS, CA 95076-9332
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	ORANGE COAST TITLE SAN JOSE, ORANGE COAST TITLE OF NORTHE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	792 LEWIS RD, ROYAL OAKS, CA 95076-9332

Mortgage

Document Number	0000031228
Date	Apr 30, 2021
Instrument	2021031228

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 5, 2017
Property Address	792 LEWIS RD, ROYAL OAKS, CA 95076-9332
Document Number	0000024081
Instrument Date	Apr 28, 2017
Instrument	2017024081
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	792 LEWIS RD, ROYAL OAKS, CA 95076-9332

Mortgage

Document Number	0000024082
Date	May 5, 2017
Instrument	2017024082

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 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		$668,841 (+2%) Land $325,543 Building $343,298
2025	$7,755.00 (+12.36%) Homeowner's exemption	$655,727 (+4.04%) Land $319,160 Building $336,567
2023	$6,902.00 (+1.77%) Homeowner's exemption	$630,266 Land $306,767 Building $323,499
2022	$6,782.00

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 57% of the US · lower than 65% of California
Wildfire Likelihood	0.1% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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