10350 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 10350 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,752 sqft · built 1980
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Tax Bill	$14,207 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`416-191-025-000`

Property Details

APN / Parcel Number

Primary APN	`416-191-025-000`
Alternative APN	`416-191-025`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,752 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	108,900 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-191-025
Street Address	10350 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTEREY CITY LANDS TR 2 POR OF PAR A OF R/S MP VOL9 PG 107 AS DESC IN R674 PG966 2.5 AC RW & EXX RW EXC SCENIC ESMT TO CO MTRY
Legal Subdivision	MONTEREY CITY LANDS
Legal Tract	2
Legal Block	1
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1017
Census Tract	13200

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 Individual Names on Record
Mailing Address	10350 SADDLE RD, MONTEREY, CA 93940-6671
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 13, 2017
Transfer Doc	0000063986
Record Updated	Oct 29, 2026

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 17, 2017
Property Address	10350 SADDLE RD, MONTEREY, CA 93940-6671
Document Number	0000063986
Map Reference	MAP9 PG107
Instrument Date	Nov 13, 2017
Instrument	2017063986
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	10350 SADDLE RD, MONTEREY, CA 93940-6671

Mortgage

Document Number	0000063987
Date	Nov 17, 2017
Instrument	2017063987

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

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	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,282,635 (+2%) Land $855,093 Building $427,542
2025	$14,207.00 (+9.09%) Homeowner's exemption	$1,257,486 (+4.04%) Land $838,327 Building $419,159
2023	$13,023.00 (+18.46%) Homeowner's exemption	$1,208,659 Land $805,775 Building $402,884
2022	$10,994.00

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	5 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · rainfall accumulation

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	High above 85% of the US · above 65% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAL AM WATER COMPANY - HIDDEN HILLS private · serves 1,521 people · EPA ID CA2710022
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20