1086 4th St, Monterey, CA 93940 Property Records

Monterey County property record for 1086 4th St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,517 sqft · built 1950
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Trust Names on File
Last Sale	$1,325,000 (Aug 2024)
Tax Bill	$15,270 (2025)
Deeds & Mortgages	Nov 2023 Transfer Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-837-007-000`

Property Details

APN / Parcel Number

Primary APN	`001-837-007-000`
Alternative APN	`001-837-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,517 sqft Living Area
1st Floor Area	1,517 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-837-007
Street Address	1086 4TH ST
City	MONTEREY
State	CA
Zip	93940-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK GROVE ADD LOT 6, 8 BLK 25
Legal Subdivision	OAK GROVE ADD
Legal Block	25
Legal Lot Number	6,8
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2002
Census Tract	13000

Owner

1086 4th St is owner-occupied and held in a trust since August 2024.

Source: Monterey County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1086 4TH ST, MONTEREY, CA 93940-3511
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Intrafamily Transfer, Transfer
Mar 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 19, 2019	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2024 · Amount on File
Deed Sale	Aug 6, 2024 · Amount on File
Prior Sale	May 17, 2024 · Amount on File
Deed Document Number	202427529
Prior Transfer Date	Oct 26, 2023
Prior Transfer Doc	0000038575
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 1, 2023
Property Address	1086 4TH ST, MONTEREY, CA 93940-3511
Document Number	0000038575
Map Reference	VOL 1 PG 20
Instrument Date	Oct 26, 2023
Instrument	2023038575
Transaction Type	Transfer
Record Updated	Dec 4, 2023

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	Family Living Trust
Address	1086 4TH ST, MONTEREY, CA 93940-3511

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1086 4TH ST, MONTEREY, CA 93940-3511
Transaction Type	Mortgage
Record Updated	Apr 5, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 4TH ST, MONTEREY, CA 93940-3511

Mortgage

Document Number	0000014440
Date	Mar 24, 2022
Instrument	2022014440

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1086 4TH ST, MONTEREY, CA 93940-3511
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 4TH ST, MONTEREY, CA 93940-3511

Mortgage

Document Number	0000050024
Date	Jul 23, 2021
Instrument	2021050024

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 19, 2019
Property Address	1086 4TH ST, MONTEREY, CA 93940-3511
Document Number	0000015304
Map Reference	VOL 1 PG 20
Instrument Date	Apr 5, 2019
Instrument	2019015304
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1086 4TH ST, MONTEREY, CA 93940-3511

Mortgage

Document Number	0000015305
Date	Apr 19, 2019
Instrument	2019015305

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1086 4th St was $15,270.

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Monterey City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,351,500 (+2%) Land $765,000 Building $586,500
2025	$15,270.00	$1,325,000 Land $750,000 Building $575,000
2023	$9,359.00 (+1.41%) Homeowner's exemption	$863,119 Land $536,099 Building $327,020
2022	$9,229.00

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

Flood

FEMA maps place 1086 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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

Wildfire risk around 1086 4th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 - MONTEREY private · serves 128,928 people · EPA ID CA2710004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	1 ppb (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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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