11971 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11971 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,900 sqft · built 1987
Lot Size	1.73 acres (75,794 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,070,000 (Dec 2021)
Tax Bill	$24,885 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`416-133-008-000`

Property Details

APN / Parcel Number

Primary APN	`416-133-008-000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	4,900 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	75,794 sqft
Garage Area	829 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	11971 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 40 1.74 AC SCENIC EASEMENT MONTEREY COUNTY R1688-1075
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Block	1
Legal Lot Number	40
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	11791 SADDLE RD, MONTEREY, CA 93940-6654
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Mar 9, 2023	Intrafamily Transfer, Transfer
Dec 10, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Dec 10, 2021	Grant Deed, Transfer · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	Apr 12, 2001 · Amount on Record
Deed Document Number	202182723
Last Transfer Date	Mar 8, 2023
Transfer Doc	0000007139
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11971 SADDLE RD, MONTEREY, CA 93940-6654
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11971 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000016666
Date	Jun 2, 2023
Instrument	2023016666

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 9, 2023
Property Address	11971 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000007139
Map Reference	VOL 15 PG 28
Instrument Date	Mar 8, 2023
Instrument	2023007139
Transaction Type	Transfer
Record Updated	Mar 23, 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
Relationship	Community Property with Right of Survivorship
Address	11971 SADDLE RD, MONTEREY, CA 93940-6654

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 10, 2021
Property Address	11971 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000082722
Map Reference	VOL 15 PG 28
Instrument Date	Dec 8, 2021
Instrument	2021082722
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	11971 SADDLE RD, MONTEREY, CA 93940-6654

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 10, 2021
Property Address	11971 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000082723
Map Reference	VOL 15 PG 28
Instrument Date	Nov 23, 2021
Instrument	2021082723
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	OLD REPUBLIC 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	11971 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000082724
Date	Dec 10, 2021
Instrument	2021082724

Lender

Name	FREMONT BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

Mortgage

Document Number	0000082725
Date	Dec 10, 2021
Instrument	2021082725

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

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		$2,240,633 (+2%) Land $1,136,553 Building $1,104,080
2025	$24,885.00 (+8.06%)	$2,196,700 (+4.04%) Land $1,114,268 Building $1,082,432
2023	$23,028.00 (-0.74%)	$2,111,400 Land $1,071,000 Building $1,040,400
2022	$23,199.00

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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