11430 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11430 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,011 sqft · built 1990
Lot Size	1.85 acres (80,586 sqft)
Owner	Company Name on Record
Last Sale	$2,295,000 (Jul 2022)
Tax Bill	$26,968 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jul 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`416-132-030-000`

Property Details

APN / Parcel Number

Primary APN	`416-132-030-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,011 sqft Living Area
Gross Area	3,217 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Other
Construction Type	Wood
Lot Area	80,586 sqft (1.85 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	11430 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILLS ESTATES TRACT NO 980 LOT 70 1.85 AC SCENIC EASEMENT MONTEREY COUNTY R1688-1075
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Lot Number	70 1
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1032
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	Co-owner on Record
Mailing Address	11430 SADDLE RD, MONTEREY, CA 93940-6651
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2022	Intrafamily Transfer, Transfer
Jul 1, 2022	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 28, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHARLES FREDERICKSON
Jul 3, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	0000029278
Last Transfer Date	Nov 2, 2022
Transfer Doc	0000047161
Record Updated	Jun 7, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 2, 2022
Property Address	11430 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000047161
Map Reference	VOL 15 PG 28
Instrument Date	Oct 28, 2022
Instrument	2022047161
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	442 MARION RD, YORK, PA 17406-1561

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 1, 2022
Property Address	11430 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000029278
Map Reference	VOL 15 PG 28
Instrument Date	Jun 28, 2022
Instrument	2022029278
Transaction Type	Transfer
Record Updated	Jul 20, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	442 MARION RD, YORK, PA 17406-1561

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 28, 2020
Property Address	11430 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000077653
Map Reference	VOL 15 PG 28
Instrument Date	Dec 21, 2020
Instrument	2020077653
Transaction Type	Transfer
Record Updated	Aug 19, 2021
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
Address	11430 SADDLE RD, MONTEREY, CA 93940-6651

Mortgage

Document Number	0000077654
Date	Dec 28, 2020
Instrument	2020077654

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11430 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000036448
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	11430 SADDLE RD MONTEREY CA 939406651, MONTEREY, CA 93940-6651

Mortgage

Document Number	0000036448
Date	Jul 11, 2017
Instrument	36448

Lender

Name	CHARLES FREDERICKSON
Address	2833 S COLORADO BLVD, DENVER, CO 80222-6609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 3, 2017
Property Address	11430 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000035283
Instrument Date	Jun 26, 2017
Instrument	35283
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$1,622.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 221946 CARMEL CA 939221946, CARMEL, CA 93922-1946

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Secondary School District	Salinas Union High School District (07 - 12)
Elementary School District	Washington Union Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$26,968.00 (+7.75%) Homeowner's exemption	$2,387,718 (+4.04%) Land $884,340 Building $1,503,378
2023	$25,029.00 (+18.78%)	$2,295,000 Land $850,000 Building $1,445,000
2022	$21,072.00

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 76% of the US · above 52% of California
Wildfire Likelihood	0.4% 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 52 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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