Monterey County property record for 10600 Saddle Rd, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 2,380 sqft · built 1983 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Trust Name on File |
| Last Sale | $900,000 (Jul 2013) |
| Tax Bill | $12,460 (2025) |
| Deeds & Mortgages | Feb 2021 Transfer Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 416-191-021-000 |
| Primary APN | 416-191-021-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,380 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 108,900 sqft |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Street Address | 10600 SADDLE RD |
|---|---|
| City | MONTEREY |
| State | CA |
| Zip | 93940-6605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP MCL TR#2 VOL 1 A.M. PG 23 PARCEL B-4 2.50 AC R/S MP VOL 9 PG 107 OF L 3 LG E OF POR DESC IN R717 PG743 & 745 2.5 AC RW & EXC RW |
| Legal Subdivision | MAP MCL TR#2 |
| Legal Tract | 2 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 13200 |
10600 Saddle Rd is owner-occupied and held in a trust since October 2020.
Source: Monterey County records, as of August 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 10600 SADDLE RD, MONTEREY, CA 93940-6605 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 24, 2021 | Intrafamily Transfer, Transfer SPRUCE TITLE COMPANY |
| Feb 24, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2013 · Amount on File |
| Deed Sale | Jul 2, 2013 · Amount on File |
| Prior Sale | Oct 31, 2003 · Amount on File |
| Deed Document Number | 201341779 |
| Last Transfer Date | Oct 8, 2020 |
| Transfer Doc | 0000014065 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Feb 24, 2021 |
| Property Address | 10600 SADDLE RD, MONTEREY, CA 93940-6605 |
| Document Number | 0000014067 |
| Map Reference | MB 9 PG 107 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 2021014067 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | SPRUCE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 10600 SADDLE RD, MONTEREY, CA 93940-6605 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Feb 24, 2021 |
| Property Address | 10600 SADDLE RD, MONTEREY, CA 93940-6605 |
| Document Number | 0000014065 |
| Map Reference | MB 9 PG 107 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 2021014065 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | NOT AVAILABLE, SPRUCE TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10600 SADDLE RD, MONTEREY, CA 93940-6605 |
| Document Number | 0000014066 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 2021014066 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 10600 Saddle Rd was $12,460 with a homeowner's exemption, up 8% from the year before.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,125,330 (+2%) Land $625,186 Building $500,144 | |
| 2025 | $12,460.00 (+7.97%) Homeowner's exemption | $1,103,266 Land $612,928 Building $490,338 |
| 2024 | $11,540.00 (+1.04%) | |
| 2023 | $11,421.00 (+1.41%) Homeowner's exemption | $1,060,427 Land $589,128 Building $471,299 |
| 2022 | $11,262.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 10600 Saddle Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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 risk around 10600 Saddle Rd is high, ranking above 85% of the US, with a 0.7% annual chance of 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 | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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