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620 Hidden Valley Rd, Royal Oaks, CA, 95076

3beds
2baths
1,941sqft
$900,000
$464price/sqft
$5,978/moest. monthly cost
$239,120/yrincome needed

About This Home

Where the Oak Hills Meet the Slough. Royal Oaks is a rural pocket of north Monterey County, all rolling oak hills, working farms, and about 3,300 neighbors who came for the quiet. 620 Hidden Valley Road sits right in it, on a private lot with an expansive deck that runs the length of the hillside. You'll take your coffee out there most mornings, with the oaks close and the long view running down the valley. The kitchen has been fully remodeled with stainless appliances and white cabinetry, and the bathroom's been updated to match. Recessed lighting runs through the downstairs. The living areas are well separated, and the primary bedroom has ample space. Out back, a detached office gives you a workspace apart from the house. By evening, the deck becomes the main room. The solar system makes efficient energy. What sets the location apart is a short drive away. Kirby Park's ramp puts a kayak straight into Elkhorn Slough; seven miles of tidal channel that's home to sea otters, harbor seals, and more than 340 species of birds moving along the Pacific Flyway. Moss Landing and the open bay are just past it, and the beaches at Santa Cruz, Monterey, and Carmel are all within reach. A private place in the oaks, with one of the richest stretches of the California coast right down the road.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Metal

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Water Softener
  • Laundry features: Tub/Sink,Inside,In Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: BreakfastBar, DiningArea, FormalDiningRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • One Or More Skylights,Walk-In Closet(s)
  • Flooring: Wood
  • Fireplace features: Living Room,Wood Burning

Heating & Cooling

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

Interior Area

  • Total structure area: 1,941
  • Total interior livable area: 1,941 sqft

Property

Details

  • Parcel number: 129231028000
  • Zoning: Residential
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Balcony/Patio,Deck
  • Exterior features: Gazebo,Courtyard
  • Has view: Yes
  • View description: Hills

Lot

  • Lot size: 1.18 Acres

Parking

  • Total spaces: 2
  • Parking features: Carport,Covered
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Wildfire
Drought
Landslide

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 $4,550$54,600
Home Insurance *$184$2,208
Property Taxes $828$9,936
Electricity $416$4,994
Total$5,978$71,736
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$204,960/yr
40% on housing$179,340/yr
45% on housing$159,413/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

$464This 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
2026-08-07Contingent$850,000
2026-08-04Price change$850,000
2026-07-14Listed for sale$900,000
2022-10-17Sold$800,000
2022-08-11Price change$799,000
2022-08-01Price change$839,000
2022-06-10Price change$849,997
2022-04-26Listed for sale$899,998
2015-08-11Sold$590,000
2013-11-05Listing removed$589,000
2013-09-08Price change$589,000
2013-08-07Listed for sale$625,000
2013-01-18Listing removed$2,700
2012-11-22Listed for rent$2,700
2006-12-29Sold$687,500
2004-02-10Sold$518,000

For Sale by Agent

AgentMario Desantis
BrokerageColdwell Banker Realty

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