11142 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11142 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,663 sqft · built 1991
Lot Size	2.41 acres (104,980 sqft)
Owner	Trust Name on File
Last Sale	$1,740,000 (Aug 2005)
Tax Bill	$26,980 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Dec 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`416-131-031-000`

Property Details

APN / Parcel Number

Primary APN	`416-131-031-000`
Alternative APN	`416-131-031`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	3,663 sqft Living Area
1st Floor Area	3,663 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	104,980 sqft
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-131-031
Street Address	11142 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILLS ESTATES TRACT NO 980 LOT 80 2.41 AC SCENIC EASEMENT MONTEREY COUNTY R1688-1075
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Block	1
Legal Lot Number	80
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1033
Census Tract	13200

Owner

11142 Saddle Rd is held in a trust since September 2023.

Source: Monterey County records, as of October 6, 2026

Owner of Record	Trust Name on File
Mailing Address	11142 SADDLE RD, MONTEREY, CA 93940-6646
Owner Type	Company
Vesting	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
Mar 18, 2024	Deed of Trust, Mortgage · Line of Credit SANTA CRUZ COUNTY BANK
Dec 29, 2023	Intrafamily Transfer, Transfer
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 2, 2018	Intrafamily Transfer, Transfer · ARM COMMERCE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2005 · Amount on File
Deed Sale	Aug 26, 2005 · Amount on File
Deed Document Number	200588930
Last Transfer Date	Sep 8, 2023
Transfer Doc	0000045067
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11142 SADDLE RD, MONTEREY, CA 93940-6646
Transaction Type	Mortgage
Record Updated	Apr 1, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11142 SADDLE RD, MONTEREY, CA 93940-6646

Mortgage

Document Number	0000009251
Date	Mar 18, 2024
Instrument	2024009251

Lender

Name	SANTA CRUZ COUNTY BANK
Type	Bank
Address	SANTA CRUZ, CA 95061

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 29, 2023
Property Address	11142 SADDLE RD, MONTEREY, CA 93940-6646
Document Number	0000045067
Map Reference	VOL 15 PG 28
Instrument Date	Sep 8, 2023
Instrument	2023045067
Transaction Type	Transfer
Record Updated	Jan 15, 2024

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 Revocable Trust
Address	11142 SADDLE RD, MONTEREY, CA 93940-6646

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11142 SADDLE RD, MONTEREY, CA 93940-6646
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11142 SADDLE RD, MONTEREY, CA 93940-6646

Mortgage

Document Number	0000020025
Date	Mar 18, 2021
Instrument	2021020025

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11142 SADDLE RD, MONTEREY, CA 93940-6646
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025524
Date	Jun 20, 2019
Instrument	2019025524

Lender

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

Agreement

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

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Oct 2, 2018
Property Address	11142 SADDLE RD, MONTEREY, CA 93940-6646
Document Number	0000043821
Map Reference	VOL15 PG28
Instrument Date	Sep 24, 2018
Instrument	2018043821
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	STEWRT TITLE OF CALIFORNIA I

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	11142 SADDLE RD, MONTEREY, CA 93940-6646

Mortgage

Document Number	0000043822
Date	Oct 2, 2018
Instrument	2018043822

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.62%
Index	1-Year LIBOR
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 11142 Saddle Rd was $26,980.

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		$2,425,486 (+2%) Land $1,393,958 Building $1,031,528
2025	$26,980.00	$2,377,928 Land $1,366,626 Building $1,011,302
2023	$24,735.00 (+29.93%)	$2,285,592 Land $1,313,559 Building $972,033
2022	$19,037.00

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

Flood

FEMA maps place 11142 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

Wildfire risk around 11142 Saddle Rd is high, ranking above 84% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 63% of California
Wildfire Likelihood	0.6% 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 6 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

May also be available: Cruzio.

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