11755 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11755 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 5,487 sqft · built 2004
Lot Size	1.86 acres (81,457 sqft)
Owner	2 Individual Names on File
Last Sale	$2,900,000 (Jun 2025)
Tax Bill	$22,842 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`416-133-002-000`

Property Details

APN / Parcel Number

Primary APN	`416-133-002-000`
Alternative APN	`416-133-002`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,487 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	81,457 sqft
Garage Area	1,888 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-133-002
Street Address	11755 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILLS ESTATES TRACT NO 980 LOT 34 1.87 AC
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Lot Number	34
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1030
Census Tract	13200

Owner

11755 Saddle Rd is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	11755 SADDLE RD, MONTEREY, CA 93940-6654
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 5, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage POINT DIGITAL FINANCE INC
Jun 15, 2017	Deed of Trust, Mortgage · ARM UBS BANK USA
Jan 31, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 27, 2017	Grant Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on File
Deed Sale	Jun 20, 2025 · Amount on File
Prior Sale	Jan 31, 2020 · Amount on File
Deed Document Number	202520033
Prior Transfer Date	Apr 28, 1994
Prior Transfer Doc	0000033975
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11755 SADDLE RD, MONTEREY, CA 93940-6654
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11755 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000033273
Date	Aug 5, 2022
Instrument	2022033273

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11755 SADDLE RD, MONTEREY, CA 93940-6654
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031599
Date	Jun 15, 2017
Instrument	2017031599

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 31, 2020
Property Address	11755 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000005233
Map Reference	VOL 15 PG 28
Instrument Date	Jan 28, 2020
Instrument	2020005233
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	11755 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000005235
Date	Jan 31, 2020
Instrument	2020005235

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 27, 2017
Property Address	11755 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000016090
Instrument Date	Mar 21, 2017
Instrument	16090
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Tax	$2,255.00
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	11755 SADDLE RD MONTEREY CA 939406654, MONTEREY, CA 93940-6654

Tax Assessment & Valuation

The 2025 property tax bill for 11755 Saddle Rd was $22,842.

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		$2,958,000 (+46.2%) Land $612,000 Building $2,346,000
2025	$22,842.00 Homeowner's exemption	$2,023,241 Land $492,139 Building $1,531,102
2023	$21,135.00 (-0.73%) Homeowner's exemption	$1,944,679 Land $473,030 Building $1,471,649
2022	$21,291.00

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

Flood

FEMA maps place 11755 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 11755 Saddle Rd is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 57% of California
Wildfire Likelihood	0.5% 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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