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13140 Heritage Cir, Royal Oaks, CA, 95076

4beds
4baths
3,261sqft
$1,500,000
$460price/sqft
$10,255/moest. monthly cost
$410,200/yrincome needed

About This Home

Quality and craftsmanship shine from the moment you arrive at this exceptional home. Step inside and be welcomed by rich mahogany floors that add warmth and elegance throughout. The inviting living room and formal dining room create ideal spaces for both relaxing and entertaining. The spacious kitchen is designed to impress with abundant granite counter space, generous cabinetry, a breakfast bar, and adjoining dining areaperfect for everyday living and gatherings alike. The oversized step-down family room features vaulted ceilings, a gas fireplace, and plenty of room for entertaining. Three spacious bedrooms are located down the hall, each offering large closets and comfort. Privately situated a few steps above, the primary suite serves as a peaceful retreat with a walk-in closet and spa-inspired bath featuring both a stall shower and Jacuzzi tub. A full bath is conveniently located near the garage, which includes a full kitchen and access to the private backyard, offering added flexibility and entertaining potential. The beautifully landscaped 13,939± sq. ft. yard provides the perfect setting for outdoor enjoyment, while the home's 3,266± sq. ft. of living space offers room to live, gather, and create lasting memories. This home will satisfy your most discerning buyer.

Getting Around

12
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

4/10
Ohlone Elementary SchoolGrades K-60.7 mi
2/10
Pajaro Middle SchoolGrades 6-81.7 mi
4/10
Watsonville High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Concrete Perimeter
  • Roof: Composition, Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Double Oven,Refrigerator,Washer/Dryer
  • Laundry features: Inside,In Utility Room

Bathroom

  • Features: DoubleSinks, PrimaryStallShowers, PrimaryTubwJets, ShoweroverTub1, StallShower, FullonGroundFloor, HalfonGroundFloor

Bedroom

  • Features: PrimarySuiteRetreat, WalkinCloset, BedroomonGroundFloor2plus

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Features: BreakfastBar, BreakfastNook, DiningArea, FormalDiningRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: None
  • Flooring: Carpet,Hardwood,Vinyl Linoleum
  • Number of fireplaces: 2
  • Fireplace features: Gas Log

Heating & Cooling

  • Heating features: Central Forced Air Gas,Fireplace(s),Solar
  • Cooling features: None

Interior Area

  • Total structure area: 3,261
  • Total interior livable area: 3,261 sqft

Kitchen

  • Features: _220VoltOutlet, Countertop_Granite

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 117541001000
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 1
  • Patio & porch: Balcony/Patio
  • Exterior features: Barbecue
  • Fencing: Back Yard,Wood
  • Has view: Yes
  • View description: Greenbelt,Hills

Lot

  • Lot size: 0.32 Acres
  • Features: Sloped Down

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Drought
    DroughtRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Coastal Flooding
Drought
Heat Wave
Inland Flooding
Landslide
Wildfire

FEMA Declared Disasters in Monterey County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $7,584$91,008
Home Insurance *$308$3,696
Property Taxes $1,664$19,968
Electricity $699$8,391
Total$10,255$123,060
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$351,600/yr
40% on housing$307,650/yr
45% on housing$273,466/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$460This listing

vs Other Active Listings

Avg $/sqft

ZIP 95076$490
Monterey County$769

vs Homes Sold Last Month

Median $/sqft

ZIP 95076$576
Monterey County$589

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-03Listed for sale$1,500,000
2000-10-20Sold$165,000

For Sale by Agent

AgentRenee Mello
BrokerageKW Thrive Santa Cruz

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