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809 Lewis Rd, Royal Oaks, CA, 95076

3beds
2baths
1,618sqft
$800,000
$494price/sqft
$5,411/moest. monthly cost
$216,440/yrincome needed

About This Home

Welcome to 809 Lewis Rd #D, a gated single-level retreat with great bones tucked into the Royal Oaks area of Watsonville. Set on approximately 3.3 acres, this home offers sweeping valley views and the wide-open space to breathe, garden, and grow into a more intentional country lifestyle. Enjoy energy efficiency and lower utility costs with 16 owned solar panels and a battery wall ready to support your system. Move in with confidence thanks to a newer roof installed in 2022, and appreciate the convenience of an attached 2-car garage. With a solid layout and essential upgrades already in place, this is the perfect canvas to personalize over time. Escape crowded neighborhoods and rising bills for privacy, valley views, and room to make it your own, all just a short drive from Watsonville amenities and the coast. No HOA and the interior layout is perfect for your choice of remodeling and or upgrades. Well loved home for over 38 years and now ready for the owner to carry on the legacy of pride of ownership.

Getting Around

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

Schools

2/10
Pajaro Middle SchoolGrades 6-82.4 mi
4/10
Watsonville High SchoolGrades 9-123.1 mi

Construction

Condition

  • Year built: 1978

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Features

  • Fireplace: Yes

Interior Area

  • Total interior livable area: 1,618 sqft

Property

Details

  • Parcel number: 412-051-019

Features

  • Stories: 1

Lot

  • Lot size: 3.30 Acres

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
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Drought
Inland Flooding
Wildfire
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 $4,045$48,540
Home Insurance *$164$1,968
Property Taxes $804$9,648
Electricity $398$4,786
Total$5,411$64,932
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$185,520/yr
40% on housing$162,330/yr
45% on housing$144,293/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

$494This listing

vs Other Active Listings

Avg $/sqft

ZIP 95076$491
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

No price history available

Coming Soon

AgentBrandi Jones
BrokerageKW Thrive Santa Cruz

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