11502 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11502 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,103 sqft · built 1989
Lot Size	1.71 acres (74,923 sqft)
Owner	2 Company Names on Record
Last Sale	$2,495,000 (Sep 2022)
Tax Bill	$29,402 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`416-132-029-000`

Property Details

APN / Parcel Number

Primary APN	`416-132-029-000`
Alternative APN	`416-132-029`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	4,103 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tile
Lot Area	74,923 sqft
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic

Location & Zoning

Old Parcel Number	416-132-029
Street Address	11502 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HIDDEN HILLS ESTATES TRACT NO 980 LOT 69 1.72 AC SCENIC EASEMENT MONTEREY COUNTY R1688-1075
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Block	1
Legal Lot Number	69
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 September 17, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Nov 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Mar 14, 2024	Deed of Trust, Mortgage · Construction Mortgage HAN YIU HUNTER WU ETUX
Oct 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC
Sep 14, 2022	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 29, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Oct 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2022 · Amount on Record
Deed Sale	Sep 14, 2022 · Amount on Record
Prior Sale	Dec 29, 2020 · Amount on Record
Deed Document Number	202238151
Prior Transfer Date	Sep 30, 2019
Prior Transfer Doc	0000050572
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	Sep 9, 2026
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000030709
Instrument Date	Sep 1, 2026
Instrument	202630709
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	11502 SADDLE RD, MONTEREY, CA 93940-6651

Mortgage

Document Number	0000030709,
Date	Sep 9, 2026
Instrument	202630709

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Transaction Type	Mortgage
Record Updated	Nov 17, 2025
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATIONAL LENDER SE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11502 SADDLE RD, MONTEREY, CA 93940-6651

Mortgage

Document Number	0000041305
Date	Nov 5, 2025
Instrument	2025041305

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11502 SADDLE RD, MONTEREY, CA 93940-6651

Mortgage

Document Number	0000008755
Date	Mar 14, 2024
Instrument	2024008755

Lender

Name	HAN YIU HUNTER WU ETUX
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Apr 1, 2027

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11502 SADDLE RD, MONTEREY, CA 93940-6651

Mortgage

Document Number	0000044637
Date	Oct 18, 2022
Instrument	2022044637

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 14, 2022
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000038151
Map Reference	VOL 15 PG 28
Instrument Date	Sep 12, 2022
Instrument	2022038151
Transaction Type	Transfer
Record Updated	Sep 26, 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
Relationship	Community Property with Right of Survivorship
Address	603 ROCKINGHAM LN, REDWOOD CITY, CA 94065-8411

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 29, 2020
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000078293
Instrument Date	Dec 22, 2020
Instrument	78293
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,101.00
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

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 28, 2019
Property Address	11502 SADDLE RD, MONTEREY, CA 93940-6651
Document Number	0000050572
Instrument Date	Oct 2, 2019
Instrument	50572
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	26192 PASEO DEL SUR MONTEREY CA 939406638, MONTEREY, CA 93940-6638

Tax Assessment & Valuation

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

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
2026		$2,647,713 (+2%) Land $902,026 Building $1,745,687
2025	$29,402.00 (+8.06%)	$2,595,798 (+4.04%) Land $884,340 Building $1,711,458
2023	$27,208.00 (+24.61%)	$2,495,000 Land $850,000 Building $1,645,000
2022	$21,835.00

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 82% of the US · above 61% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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