98 Paddon Rd, Royal Oaks (Watsonville), CA 95076 Property Records

Monterey County property record for 98 Paddon Rd, Royal Oaks, CA 95076

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,078 sqft · built 1955
Lot Size	3.21 acres (140,263 sqft)
Owner	2 Company Names on Record
Last Sale	$875,000 (Apr 2024)
Tax Bill	$10,621 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Oct 2025 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`412-091-067-000`

Property Details

APN / Parcel Number

Primary APN	`412-091-067-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	1,078 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	140,263 sqft
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	98 PADDON RD
City	ROYAL OAKS
State	CA
Zip	95076-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 15 PAR MAPS PG 6 PAR 1 3.22 AC APROX RW & EXC RW
Legal Subdivision	PM15 6
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	2 Company Names on Record
Mailing Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COASTAL RURAL DEVELOPMENT COR
Oct 29, 2025	Intrafamily Transfer, Transfer
Apr 18, 2024	Grant Deed, Transfer · Conventional Mortgage FLEXPOINT INC
Dec 19, 2023	Intrafamily Transfer, Transfer
Dec 19, 2023	Intrafamily Transfer, Transfer
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Feb 6, 2017	Deed of Trust, Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2024 · Amount on Record
Deed Sale	Apr 18, 2024 · Amount on Record
Prior Sale	May 15, 2003 · Amount on Record
Deed Document Number	202413485
Prior Transfer Date	Dec 18, 2023
Prior Transfer Doc	0000044123
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041

Mortgage

Document Number	0000001724
Date	Jan 20, 2026
Instrument	2026001724

Lender

Name	CALIFORNIA COASTAL RURAL DEVELOPMENT COR
Type	Non-Lending Institution
Address	SALINAS, CA 93901

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Oct 29, 2025
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Document Number	0000040613
Map Reference	MB 15 PG 6
Instrument Date	Oct 4, 2025
Instrument	2025040613
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 18, 2024
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Document Number	0000013485
Map Reference	MB 15 PG 6
Instrument Date	Apr 1, 2024
Instrument	2024013485
Transaction Type	Transfer
Record Updated	May 2, 2024
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041

Mortgage

Document Number	0000013486
Date	Apr 18, 2024
Instrument	2024013486

Lender

Name	FLEXPOINT INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 19, 2023
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Document Number	0000044122
Map Reference	MB 15 PG 6
Instrument Date	Dec 18, 2023
Instrument	2023044122
Transaction Type	Transfer
Record Updated	Jan 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	322 WHEELOCK RD, WATSONVILLE, CA 95076-8688

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 19, 2023
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Document Number	0000044123
Map Reference	MB 15 PG 6
Instrument Date	Dec 18, 2023
Instrument	2023044123
Transaction Type	Transfer
Record Updated	Jan 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	322 WHEELOCK RD, WATSONVILLE, CA 95076-8688

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 WHEELOCK RD, WATSONVILLE, CA 95076-8688

Mortgage

Document Number	0000045606
Date	Jul 1, 2021
Instrument	2021045606

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	98 PADDON RD, ROYAL OAKS, CA 95076-9041
Document Number	0000008057
Instrument Date	Feb 6, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 WHEELOCK RD WATSONVILLE CA 950768688, WATSONVILLE, CA 95076-8688

Mortgage

Document Number	0000008057
Date	Feb 10, 2017
Instrument	8057

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 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		$910,350 (+2%) Land $520,200 Building $390,150
2025	$10,621.00 (+53.86%)	$892,500 (+43.43%) Land $510,000 Building $382,500
2023	$6,903.00 (+1.74%)	$622,272 Land $382,833 Building $239,439
2022	$6,785.00

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
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 56% of the US · lower than 67% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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