12077 Saddle Rd, Monterey, CA 93940 Property Records

Monterey County property record for 12077 Saddle Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,114 sqft · built 1992
Lot Size	2.58 acres (112,820 sqft)
Owner	Trust Name on File
Tax Bill	$11,608 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`416-133-041-000`

Property Details

APN / Parcel Number

Primary APN	`416-133-041-000`
Alternative APN	`416-133-041`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,114 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	112,820 sqft
Garage Area	1,230 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-133-041
Street Address	12077 SADDLE RD
City	MONTEREY
State	CA
Zip	93940-6656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILLS ESTATES TR NO 980 LOT 41 EXC POR DESC IN DOC 2000020274
Legal Subdivision	HIDDEN HILLS ESTATES
Legal Tract	980
Legal Lot Number	41
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1030
Census Tract	13200

Owner

12077 Saddle Rd is owner-occupied and held in a trust since October 2019.

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

Owner of Record	Trust Name on File
Mailing Address	12077 SADDLE RD, MONTEREY, CA 93940-6656
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 4, 2019	Correction Deed AMROCK INC
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 24, 2019
Transfer Doc	0000052176
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	12077 SADDLE RD, MONTEREY, CA 93940-6656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12077 SADDLE RD, MONTEREY, CA 93940-6656

Mortgage

Document Number	0000005007
Date	Jan 25, 2021
Instrument	2021005007

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48266

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	237 Months
Due	Oct 1, 2040

November 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 4, 2019
Property Address	12077 SADDLE RD, MONTEREY, CA 93940-6656
Document Number	0000052176
Instrument Date	Oct 24, 2019
Instrument	52176
Record Updated	Nov 20, 2019
Title Company	AMROCK INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12077 SADDLE RD MONTEREY CA 939406656, MONTEREY, CA 93940-6656

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	12077 SADDLE RD, MONTEREY, CA 93940-6656
Document Number	0000052177
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12077 SADDLE RD MONTEREY CA 939406656, MONTEREY, CA 93940-6656

Mortgage

Document Number	0000052177
Date	Nov 4, 2019
Instrument	52177

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 3, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 12077 Saddle Rd was $11,608 with a homeowner's exemption.

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		$1,051,266 (+2%) Land $219,123 Building $832,143
2025	$11,608.00 Homeowner's exemption	$1,030,654 Land $214,827 Building $815,827
2023	$10,739.00 (-0.72%) Homeowner's exemption	$990,635 Land $206,486 Building $784,149
2022	$10,817.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 12077 Saddle Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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

Wildfire risk around 12077 Saddle Rd is high, ranking above 84% of the US, with a 0.5% annual chance of 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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