10905 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 10905 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,613 sqft · built 1980
Lot Size	2.88 acres (125,453 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,260,000 (Jan 2016)
Tax Bill	$16,939 (2025)
Deeds & Mortgages	Sep 2025 Transfer Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`416-191-015-000`

Property Details

APN / Parcel Number

Primary APN	`416-191-015-000`
Alternative APN	`416-191-015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,613 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Architectural Style	Other
Construction Type	Wood
Lot Area	125,453 sqft
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-191-015
Street Address	10905 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSRS MP OF MTY CITY LANDS TR 2 ASSRS MP OF LAGUNA SECA RO POR OF L 3 SHOWN AS PARCEL A IN VOL 10S PG 93 2.88 AC EXC R-W
Legal Subdivision	ASSRS MP OF MTY CITY LANDS
Legal Tract	2
Legal Block	1
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1033
Census Tract	13200

Owner

Source: Monterey County records, as of August 26, 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	10905 SADDLE RD, MONTEREY, CA 93940-6675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Transfer on Death Deed, Transfer
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on Record
Deed Sale	Jan 15, 2016 · Amount on Record
Prior Sale	Jan 31, 2012 · Amount on Record
Deed Document Number	20162321
Prior Transfer Date	Dec 28, 1999
Prior Transfer Doc	0000095349
Record Updated	Oct 29, 2026

September 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 26, 2025
Property Address	10905 SADDLE RD, MONTEREY, CA 93940-6675
Document Number	0000032097
Map Reference	VOL 10 PG 93
Instrument Date	Aug 1, 2025
Instrument	2025032097
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10906 SADDLE RD, MONTEREY, CA 93940-6605

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	10905 SADDLE RD, MONTEREY, CA 93940-6675
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10905 SADDLE RD, MONTEREY, CA 93940-6675

Mortgage

Document Number	0000009597
Date	Feb 9, 2021
Instrument	2021009597

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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		$1,521,409 (+2%) Land $543,359 Building $978,050
2025	$16,939.00 (+7.97%)	$1,491,578 (+4.04%) Land $532,705 Building $958,873
2024	$15,689.00 (+1.02%)
2023	$15,530.00 (+1.4%)	$1,433,660 Land $512,020 Building $921,640
2022	$15,315.00

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 88% of the US · above 69% 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.

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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio.

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