1186 7th St, Monterey, CA 93940 Property Records

Monterey County property record for 1186 7th St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,197 sqft · built 1926
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on Record
Tax Bill	$10,767 (2025)
Deeds & Mortgages	Aug 2022 Transfer Jan 2020 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-848-006-000`

Property Details

APN / Parcel Number

Primary APN	`001-848-006-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,197 sqft Living Area
1st Floor Area	1,197 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2023
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Garage Area	201 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1186 7TH ST
City	MONTEREY
State	CA
Zip	93940-3625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK GROVE ADD LOT 6 BLK 16
Legal Subdivision	OAK GROVE ADD
Legal Block	16
Legal Lot Number	6
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2010
Census Tract	13000

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1186 7TH ST, MONTEREY, CA 93940-3625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Affidavit of Death of Joint Tenant, Transfer
Jan 14, 2020	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Jan 9, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 18, 2008
Transfer Doc	0000064499
Record Updated	Sep 20, 2026

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MONTEREY CA
Recording Date	Aug 16, 2022
Property Address	1186 7TH ST, MONTEREY, CA 93940-3625
Document Number	0000034449
Map Reference	VOL 1 PG 20
Instrument Date	Aug 10, 2022
Instrument	2022034449
Transaction Type	Transfer
Record Updated	Aug 26, 2022

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	1186 7TH ST, MONTEREY, CA 93940-3625

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1186 7TH ST, MONTEREY, CA 93940-3625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002008
Date	Jan 14, 2020
Instrument	2020002008

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.71%
Type Change Date	Feb 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1186 7TH ST, MONTEREY, CA 93940-3625
Document Number	0000002009
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1186 7TH ST MONTEREY CA 939403625, MONTEREY, CA 93940-3625

Mortgage

Document Number	0000002009
Date	Jan 14, 2020
Instrument	2009

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1032 Months

Interest

Rate Type	Adjustable Rate
Rate	3.71%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Monterey City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$946,066 (+2%) Land $595,337 Building $350,729
2025	$10,767.00 (+91.58%)	$927,516 (+82.21%) Land $583,664 Building $343,852
2023	$5,620.00 (+1.39%)	$509,049 Land $468,925 Building $40,124
2022	$5,543.00

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

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	Not rated no burnable land within ember reach

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 - MONTEREY private · serves 128,928 people · EPA ID CA2710004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	1 ppb (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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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