11863 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11863 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,683 sqft · built 1988
Lot Size	2.35 acres (102,366 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,700,000 (Apr 2018)
Tax Bill	$21,836 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`416-133-005-000`

Property Details

APN / Parcel Number

Primary APN	`416-133-005-000`
Alternative APN	`416-133-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	3,683 sqft Living Area
1st Floor Area	3,683 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	102,366 sqft
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-133-005
Street Address	11863 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 37 2.35 AC SCENIC EASEMENT MONTEREY COUNTY R1688-1075
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Lot Number	37
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1030
Census Tract	13200

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	2 Individual Names on Record
Mailing Address	11863 SADDLE RD, MONTEREY, CA 93940-6654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Mar 27, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Apr 9, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Prior Sale	Nov 22, 2013 · Amount on Record
Deed Document Number	201814933
Prior Transfer Date	Dec 17, 1993
Prior Transfer Doc	0000000414
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11863 SADDLE RD, MONTEREY, CA 93940-6654
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11863 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000079363
Date	Nov 23, 2021
Instrument	2021079363

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11863 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000012417
Instrument Date	Mar 27, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	CHICAGO TITLE SALINAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	11863 SADDLE RD MONTEREY CA 939406654, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000012417
Date	Apr 1, 2019
Instrument	12417

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.25%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 9, 2018
Property Address	11863 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000014933
Map Reference	VOL15 PG28
Instrument Date	Mar 30, 2018
Instrument	2018014933
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE XCO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	11863 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000014934
Date	Apr 9, 2018
Instrument	2018014934

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

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		$1,972,990 (+2%) Land $522,260 Building $1,450,730
2025	$21,836.00 (+8.08%) Homeowner's exemption	$1,934,305 (+4.04%) Land $512,020 Building $1,422,285
2023	$20,203.00 (-0.73%) Homeowner's exemption	$1,859,196 Land $492,139 Building $1,367,057
2022	$20,352.00

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 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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