86 Oak Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 86 Oak Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,596 sqft · built 1948
Lot Size	0.39 acres (17,000 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Aug 2026)
Tax Bill	$6,055 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`119-111-006-000`

Property Details

APN / Parcel Number

Primary APN	`119-111-006-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	L-Shape
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	17,000 sqft (0.39 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	86 OAK RD
City	ROYAL OAKS
State	CA
Zip	95076-5615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAS LOMAS TR 6 SUB 1 OF LOT 87 EXC RW
Legal Subdivision	LAS LOMAS
Legal Tract	6
Legal Block	3
Legal Lot Number	87
Jurisdiction	MONTEREY CA
Township / Civil Division	PAJARO
Census Block Group	3
Census Block	3006
Census Tract	14601

Owner

86 Oak Rd is owned and occupied by two individuals who bought it in August 2026.

Source: Monterey County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	86 OAK RD, ROYAL OAKS, CA 95076-5615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

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	Aug 20, 2026 · Amount on File
Deed Sale	Aug 20, 2026 · Amount on File
Prior Sale	Apr 21, 2003 · Amount on File
Deed Document Number	202628810
Prior Transfer Date	Dec 10, 2024
Prior Transfer Doc	0000000090
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 20, 2026
Property Address	86 OAK RD, ROYAL OAKS, CA 95076-5615
Document Number	0000028810
Instrument Date	Jul 31, 2026
Instrument	202628810
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	CORNERSTONE TITLE GROUP, CORNERSTONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,438.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 OAK RD, ROYAL OAKS, CA 95076-5615

Mortgage

Document Number	0000028811,
Date	Aug 20, 2026
Instrument	202628811

Lender

Name	FLEXPOINT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 86 Oak Rd was $6,055.

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		$443,184 (+2%) Land $221,592 Building $221,592
2025	$6,055.00	$434,496 Land $217,248 Building $217,248
2023	$4,672.00 (+1.74%)	$417,626 Land $208,813 Building $208,813
2022	$4,592.00

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

Flood

FEMA maps place 86 Oak 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
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

Wildfire risk around 86 Oak Rd is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% 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	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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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, GeoLinks.

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