10995 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 10995 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Residential Vacant Land
Lot Size	2.89 acres (125,888 sqft)
Owner	Company Name on Record
Last Sale	$500,000 (Apr 2021)
Tax Bill	$6,152 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`416-191-013-000`

Property Details

APN / Parcel Number

Primary APN	`416-191-013-000`

Exterior

Lot Area	125,888 sqft (2.89 acres)

Location & Zoning

Street Address	10995 SADDLE RD
City	MONTEREY
State	CA
Zip	93940
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	ASSRS MP OF MTY CITY LANDS TR 2 & ASSRS MP OF LAGUNA SECA RO POR OF L 3 SHOWN AS PARCEL C IN VOL 10S PG 93 2.88 AC
Legal Tract	2
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 October 20, 2025

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

Owner of Record	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	1625 THE ALAMEDA STE 610, 610, SAN JOSE, CA 95126-2224
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Intrafamily Transfer, Transfer
Apr 16, 2021	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	0000027696
Last Transfer Date	Sep 30, 2025
Transfer Doc	0000032552
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Sep 30, 2025
Property Address	10995 SADDLE RD, MONTEREY, CA 93940
Document Number	0000032552
Map Reference	VOL 10 PG 93
Instrument Date	Sep 29, 2025
Instrument	2025032552
Transaction Type	Transfer
Record Updated	Oct 14, 2025

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	Revocable Trust
Address	1625 THE ALAMEDA STE 610, 610, SAN JOSE, CA 95126-2224

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 16, 2021
Property Address	10995 SADDLE RD, MONTEREY, CA 93940
Document Number	0000027696
Map Reference	VOL 10 PG 93
Instrument Date	Apr 13, 2021
Instrument	2021027696
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1625 THE ALAMEDA STE 610, 610, SAN JOSE, CA 95126-2224

Mortgage

Document Number	0000027697
Date	Apr 16, 2021
Instrument	2021027697

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	May 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

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
2025	$6,152.00 (+9.08%)	$541,216 (+4.04%) Land $541,216
2023	$5,640.00 (+1.4%)	$520,200 Land $520,200
2022	$5,562.00

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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