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97 Spring Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 97 Spring Rd, Royal Oaks, CA 95076 · Last verified October 2025

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,922 sqft · built 1963
Lot Size0.494 acres (21,521 sqft)
OwnerIndividual Name on File
Last Sale$600,000 (Apr 2015)
Tax Bill$8,551 (2025)
Deeds & MortgagesOct 2021 Mortgage
Nov 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN117-141-028-000

Property Details

APN / Parcel Number

Primary APN117-141-028-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,922 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Architectural StyleOther
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area21,521 sqft (0.494 acres)
Garage TypeMixed
Garage Area640 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemFloor/Wall Furnace

Location & Zoning

Street Address97 SPRING RD
CityROYAL OAKS
StateCA
Zip95076-5416
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionASSRS RESUB LOTS 6 & 11 TO 15 OF FRUITLAND SUB POR OF SUB 1 OF SUB J AS DESC IN R845 PG 658 & R-W 0.53 AC AKA PAR B IN VOL 4
Legal SubdivisionFRUITLAND SUB
Legal Lot Number6,11 11
JurisdictionMONTEREY CA
Township / Civil DivisionPAJARO
Census Block Group2
Census Block2001
Census Tract14601

Owner

Source: Monterey County records · APN 117-141-028-000

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address97 SPRING RD, ROYAL OAKS, CA 95076-5416
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Nov 04, 2019Deed of Trust, Mortgage · Conventional Mortgage
STEARNS LENDING LLC
Jul 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
OWNING CORPORATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 24, 2015 · Amount on Record
Deed SaleApr 24, 2015 · Amount on Record
Prior SaleFeb 23, 2015
Deed Document Number2015021206
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address97 SPRING RD, ROYAL OAKS, CA 95076-5416
Transaction TypeMortgage
Record UpdatedNov 05, 2021
Title CompanyORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 SPRING RD, ROYAL OAKS, CA 95076-5416

Mortgage

Document Number0000073253
DateOct 26, 2021
Instrument2021073253
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address97 SPRING RD, ROYAL OAKS, CA 95076-5416
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000052017
DateNov 04, 2019
Instrument2019052017
Lender
NameSTEARNS LENDING LLC
TypeFunding / Finance Company
AddressSANTA ANA, CA 92707
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2049

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address97 SPRING RD, ROYAL OAKS, CA 95076-5416
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000036001
DateJul 22, 2020
Instrument2020036001
Lender
NameOWNING CORPORATION
TypeNon-Lending Institution
AddressORANGE, CA 92868
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateCalifornia
CountyMonterey County
Unified School DistrictPajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$8,551.00 (+12.41%) Homeowner's exemption$721,101 (+4.04%) Land $216,328 Building $504,773
2023$7,607.00 (+1.75%) Homeowner's exemption$693,102 Land $207,929 Building $485,173
2022$7,476.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monterey County (06053C), updated July 15, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060530146012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies16 in force
12 of 16 on primary residences
Nearby Flood Claims12 (1995–2023)
Claims Outside the SFHA2 of 12
Most Recent ClaimMar 2023, other causes, Severe Storm And Flooding
Flood Events
  • Severe Storm And Flooding (Mar 2023), 8 claims
  • Severe Winter Storms, Flooding Landslides, Mud Flow (Mar 1995), 4 claims

Wildfire

Wildfire RiskModerate
above 40% of the US · above 24% of California
Wildfire LikelihoodAbout 1 in 1,075 per year
ExposureDirect
burnable vegetation at the parcel

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.

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