Monterey County property record for 895 Elkhorn Rd, Watsonville, CA 95076
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 5,715 sqft · built 2022 |
| Lot Size | 2.6 acres (113,256 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Feb 2007) |
| Tax Bill | $21,563 (2025) |
| Deeds & Mortgages | Oct 2021 Construction Loan Oct 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 181-151-005-000 |
| Primary APN | 181-151-005-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 5,715 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 113,256 sqft (2.6 acres) |
| Garage Area | 719 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 895 ELKHORN RD |
|---|---|
| City | ROYAL OAKS |
| State | CA |
| Zip | 95076-9246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASSRS MP LOS CARNEROS RO POR OF LOT B13 AS DESC IN R756 PG 1014 LYING ELY OF POR DESC IN R757 PG 299 2.6 AC APRX |
| Legal Subdivision | ASSRS MP LOS CARNEROS RO |
| Legal Lot Number | B13 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | PAJARO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10202 |
895 Elkhorn Rd is owned by two individuals who bought it in February 2007.
Source: Monterey County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1813 SPRINGFIELD RD, MOSS LANDING, CA 95039-9652 |
| 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.
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · Construction Mortgage SANTA CRUZ COUNTY BANK |
| Oct 16, 2024 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2007 · Amount on File |
| Deed Sale | Feb 23, 2007 · Amount on File |
| Prior Sale | Jul 11, 2005 · Amount on File |
| Deed Document Number | 200715025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 895 ELKHORN RD, ROYAL OAKS, CA 95076-9246 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SOUTHER |
| Name | Verified Name |
|---|---|
| Address | 157 OCEANVIEW DR, WATSONVILLE, CA 95076-1810 |
| Document Number | 0000072935 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 2021072935 |
| Name | SANTA CRUZ COUNTY BANK |
|---|---|
| Type | Bank |
| Address | CAPITOLA, CA 95010 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 895 ELKHORN RD, ROYAL OAKS, CA 95076-9246 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 895 ELKHORN RD, ROYAL OAKS, CA 95076-9246 |
| Document Number | 0000039570 |
|---|---|
| Date | Oct 16, 2024 |
| Instrument | 2024039570 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | WATSONVILLE, CA 95076 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2054 |
The 2025 property tax bill for 895 Elkhorn Rd was $21,563.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Pajaro Valley Joint Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,823,000 (-) Land $581,000 Building $1,242,000 | |
| 2025 | $21,563.00 | $1,823,000 Land $581,000 Building $1,242,000 |
| 2023 | $14,990.00 (+15.19%) | $1,365,000 Land $350,000 Building $1,015,000 |
| 2022 | $13,013.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 895 Elkhorn Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 7 (1997–2022) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 895 Elkhorn 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 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: Cruzio.
5G and 4G LTE (outdoors only)
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