120 Fourth St, Spreckels, CA 93962 Property Records

Monterey County property record for 120 Fourth St, Spreckels, CA 93962

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,504 sqft · built 2010
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,040,000 (Sep 2026)
Tax Bill	$10,469 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`177-051-012-000`

Property Details

APN / Parcel Number

Primary APN	`177-051-012-000`
Alternative APN	`177-051-012`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	2,504 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	177-051-012
Street Address	120 FOURTH ST
City	SPRECKELS
State	CA
Zip	93962-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF SPRECKELS LOT 5 BLK O
Legal Subdivision	TOWN OF SPRECKELS
Legal Block	O
Legal Lot Number	5
Jurisdiction	MONTEREY CA
Township / Civil Division	SALINAS
Census Block Group	1
Census Block	1088
Census Tract	10606

Owner

Source: Monterey County records, as of September 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	26129 LEGENDS CT, SALINAS, CA 93908-1573
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Grant Deed, Transfer · Conventional Mortgage LOAN STORE
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 15, 2019	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on Record
Deed Sale	Sep 11, 2026 · Amount on Record
Prior Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	202631042
Prior Transfer Date	Sep 20, 2016
Prior Transfer Doc	0000063297
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 11, 2026
Property Address	120 FOURTH ST, SPRECKELS, CA 93962-2412
Document Number	0000031042
Instrument Date	Aug 28, 2026
Instrument	202631042
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115,544.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	26129 LEGENDS CT, SALINAS, CA 93908-1573
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031043,
Date	Sep 11, 2026
Instrument	202631043

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	120 FOURTH ST, SPRECKELS, CA 93962-2412
Transaction Type	Mortgage
Record Updated	Oct 28, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 FOURTH ST, SPRECKELS, CA 93962-2412

Mortgage

Document Number	0000062310
Date	Oct 30, 2020
Instrument	2020062310

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	120 FOURTH ST, SPRECKELS, CA 93962-2412
Transaction Type	Mortgage
Record Updated	Oct 28, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041989
Date	Sep 24, 2019
Instrument	2019041989

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 15, 2019
Property Address	120 FOURTH ST, SPRECKELS, CA 93962-2412
Document Number	0000001632
Map Reference	VOL 1 PG 71
Instrument Date	Jan 7, 2019
Instrument	2019001632
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COP

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 with Right of Survivorship
Address	489 CASCADE WAY, SALINAS, CA 93906-2194

Mortgage

Document Number	0000001633
Date	Jan 15, 2019
Instrument	2019001633

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Mortgage

Document Number	0000001634
Date	Jan 15, 2019
Instrument	2019001634

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Spreckels Union Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$839,711 (+2%) Land $227,563 Building $612,148
2025	$10,469.00 (+12.36%)	$823,247 (+4.04%) Land $223,101 Building $600,146
2023	$9,317.00 (-0.59%)	$791,282 Land $214,439 Building $576,843
2022	$9,372.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (1998–2023)
Most Recent Claim	Mar 2023 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	TASCO SPRECKELS WATER COMPANY private · serves 672 people · EPA ID CA2710023
Water Source	Groundwater
Last State Inspection	Dec 2023
Also Mapped Here	CWSC SALINAS HILLS
Lead	6 ppb (2021–2023) 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 15 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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