Monterey County property record for 12078 Saddle Rd, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,959 sqft · built 1990 |
| Lot Size | 4.16 acres (181,210 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,500,000 (May 2016) |
| Tax Bill | $20,120 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 416-133-010-000 |
| Primary APN | 416-133-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,959 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 181,210 sqft |
| Garage Area | 665 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Old Parcel Number | 416-133-010 |
|---|---|
| Street Address | 12078 SADDLE RD |
| City | MONTEREY |
| State | CA |
| Zip | 93940-6655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIDDEN HILLS ESTATES TRACT NO 980 LOT 42 4.16 AC SCENIC EASEMENT MONTEREY COUNTY R1688-1075 |
| Legal Subdivision | HIDDEN HILLS ESTATES |
| Legal Tract | 980 |
| Legal Block | 1 |
| Legal Lot Number | 42 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 13200 |
12078 Saddle Rd is owned by an individual who bought it in May 2016.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 229 N SANBORN RD, SALINAS, CA 93905-2218 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2016 · Amount on File |
| Deed Sale | May 27, 2016 · Amount on File |
| Prior Sale | Oct 4, 2002 · Amount on File |
| Deed Document Number | 201628990 |
| Prior Transfer Date | May 18, 2010 |
| Prior Transfer Doc | 0000027841 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 12078 SADDLE RD, MONTEREY, CA 93940-6655 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2024 |
| Title Company | CHICAGO TITLE CARMEL |
| Name | Verified Name |
|---|---|
| Address | 1929 WINDWARD LN, NEWPORT BEACH, CA 92660-3816 |
| Document Number | 0000010919 |
|---|---|
| Date | Apr 1, 2024 |
| Instrument | 2024010919 |
| Name | AXOS BANK |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2054 |
The 2025 property tax bill for 12078 Saddle Rd was $20,120.
Source: Monterey County assessment roll, as of August 6, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,811,202 (+2%) Land $603,733 Building $1,207,469 | |
| 2025 | $20,120.00 | $1,775,690 Land $591,896 Building $1,183,794 |
| 2023 | $18,619.00 (-0.74%) | $1,706,740 Land $568,913 Building $1,137,827 |
| 2022 | $18,757.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12078 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 risk around 12078 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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