11975 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 11975 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,369 sqft · built 1970
Lot Size	1.01 acres (43,996 sqft)
Owner	Company Name on Record
Last Sale	$2,510,500 (Apr 2023)
Tax Bill	$29,607 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`416-133-033-000`

Property Details

APN / Parcel Number

Primary APN	`416-133-033-000`
Alternative APN	`416-133-033`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,369 sqft Living Area
1st Floor Area	3,369 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	43,996 sqft
Garage Area	528 sqft
Pool Type	Spa / Hot Tub (No Pool)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-133-033
Street Address	11975 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORS OF T16 R2 MCL TR2 & EL TORO RO POR OF ELY POR OF PAR 25 DESC IN R646-548 1.007 AC & RW
Legal Subdivision	ARBOLEDA PHASE ONE
Legal Tract	2
Legal Block	1
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	Company Name on Record
Mailing Address	11975 SADDLE RD, MONTEREY, CA 93940-6654
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Grant Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK
Aug 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage TWENTIETH CENTURY FOX FCU
Mar 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2023 · Amount on Record
Deed Sale	Apr 25, 2023 · Amount on Record
Prior Sale	Nov 1, 2016 · Amount on Record
Deed Document Number	202312370
Prior Transfer Date	Jul 20, 1994
Prior Transfer Doc	0000052963
Record Updated	Oct 29, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 25, 2023
Property Address	11975 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000012370
Instrument Date	Apr 18, 2023
Instrument	2023012370
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	CHICAGO 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	11975 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000012371
Date	Apr 25, 2023
Instrument	2023012371

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Aug 19, 2020
Property Address	11975 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000041884
Instrument Date	Aug 11, 2020
Instrument	2020041884
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN 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	11975 SADDLE RD, MONTEREY, CA 93940-6654

Mortgage

Document Number	0000041885
Date	Aug 19, 2020
Instrument	2020041885

Lender

Name	TWENTIETH CENTURY FOX FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2027
Min Rate At Change	3%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	9%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 6, 2018
Property Address	11975 SADDLE RD, MONTEREY, CA 93940-6654
Document Number	0000009304
Instrument Date	Feb 22, 2018
Instrument	9304
Transaction Type	Transfer
Record Updated	Mar 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11975 SADDLE RD MONTEREY CA 939406654, MONTEREY, CA 93940-6654

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		$2,673,341 (+2%) Land $902,026 Building $1,771,315
2025	$29,607.00 (+88.17%) Homeowner's exemption	$2,620,924 (+80.87%) Land $884,340 Building $1,736,584
2023	$15,734.00 (-0.73%) Homeowner's exemption	$1,449,054 Land $390,429 Building $1,058,625
2022	$15,850.00

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 84% of the US · above 64% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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