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1054 Harding St, Salinas, CA 93906 Property Records

Monterey County property record for 1054 Harding St, Salinas, CA 93906

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,220 sqft · built 1954
Lot Size0.149 acres (6,500 sqft)
OwnerIndividual Name on File
Last Sale$439,000 (Nov 2018)
Tax Bill$6,052 (2025)
Deeds & MortgagesAug 2021 Mortgage
Aug 2017 Mortgage
+ 2 more
Flood ZoneZone X (moderate risk)
APN003-523-021-000

Property Details

APN / Parcel Number

Primary APN003-523-021-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,220 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1954
Architectural StyleOther
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeConcrete
Roof MaterialTar & Gravel
Lot Area6,500 sqft (0.149 acres)
Garage TypeAttached
Garage Area312 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Street Address1054 HARDING ST
CitySALINAS
StateCA
Zip93906-3511
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAUREL PARK ADD 1 LOT 38 BLK 3
Legal SubdivisionLAUREL PARK ADD 1
Legal Block3
Legal Lot Number38
JurisdictionMONTEREY CA
Township / Civil DivisionSALINAS
Census Block Group2
Census Block2006
Census Tract400

Owner

Source: Monterey County records · APN 003-523-021-000

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1054 HARDING ST, SALINAS, CA 93906-3511
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Aug 09, 2017Deed of Trust, Mortgage · Conventional Mortgage
SUMMIT FUNDING INC
Nov 15, 2019Deed of Trust, Mortgage · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC
Nov 30, 2018Grant Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 30, 2018 · Amount on Record
Deed SaleNov 30, 2018 · Amount on Record
Prior SaleSep 08, 2016
Deed Document Number2018054599
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address1054 HARDING ST, SALINAS, CA 93906-3511
Transaction TypeMortgage
Record UpdatedAug 15, 2023
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1054 HARDING ST, SALINAS, CA 93906-3511

Mortgage

Document Number0000056076
DateAug 19, 2021
Instrument2021056076
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address1054 HARDING ST, SALINAS, CA 93906-3511
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyCHICAGO TITLE SALINAS

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000042493
DateAug 09, 2017
Instrument2017042493
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
AddressSACRAMENTO, CA 95815
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueSep 01, 2032

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address1054 HARDING ST, SALINAS, CA 93906-3511
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000054318
DateNov 15, 2019
Instrument2019054318
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
AddressHORSHAM, PA 19044
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

November 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONTEREY CA
Recording DateNov 30, 2018
Property Address1054 HARDING ST, SALINAS, CA 93906-3511
Document Number0000054599
Map ReferenceMB5 PG73
Instrument DateNov 27, 2018
Instrument2018054599
Transaction TypeTransfer
Record UpdatedAug 19, 2021
Title CompanyOLD REPUBLIC TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1054 HARDING ST, SALINAS, CA 93906-3511

Mortgage

Document Number0000054600
DateNov 30, 2018
Instrument2018054600
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2048

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateCalifornia
CountyMonterey County
MunicipalitySalinas City
Elementary School DistrictSalinas City Elementary School District (KG - 06)
Secondary School DistrictSalinas Union High School District (07 - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$6,052.00 (+13.1%) Homeowner's exemption$489,708 (+4.04%) Land $223,101 Building $266,607
2023$5,351.00 (+3.9%) Homeowner's exemption$470,694 Land $214,439 Building $256,255
2022$5,150.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monterey County (06053C), updated July 15, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060530004002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1998)
Claims Outside the SFHA2 of 2
Most Recent ClaimFeb 1998 · Severe Winter Storms And Flooding
Claims by Event
  • Severe Winter Storms And Flooding, Feb 1998 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 596 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Razzolink
Fixed Wireless		500 / 250

May also be available: AT&T, California Internet, Cruzio Internet, Etheric Communications, LLC., Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemCWSC SALINAS
private · serves 114,286 people
Water SourceGroundwater
Last State InspectionJun 2025
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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