123 Fourth St, Spreckels, CA 93962 Property Records

Monterey County property record for 123 Fourth St, Spreckels, CA 93962

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,504 sqft · built 2009
Lot Size	0.139 acres (6,080 sqft)
Owner	2 Company Names on Record
Last Sale	$549,000 (Dec 2009)
Tax Bill	$9,047 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`177-054-023-000`

Property Details

APN / Parcel Number

Primary APN	`177-054-023-000`
Alternative APN	`177-054-023`

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 2009
Effective Year Built	Effective 2009
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,080 sqft (0.139 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	177-054-023
Street Address	123 FOURTH ST
City	SPRECKELS
State	CA
Zip	93962-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF SPRECKELS LOT 17 BLK N
Legal Subdivision	TOWN OF SPRECKELS
Legal Block	N
Legal Lot Number	17
Jurisdiction	MONTEREY CA
Township / Civil Division	SALINAS
Census Block Group	1
Census Block	1086
Census Tract	10606

Owner

Source: Monterey County records, as of August 26, 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	PO BOX 7333, SPRECKELS, CA 93962-7333
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOFI LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2009 · Amount on Record
Deed Sale	Dec 23, 2009 · Amount on Record
Deed Document Number	200981640
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	123 FOURTH ST, SPRECKELS, CA 93962-2412
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7333, SPRECKELS, CA 93962-7333

Mortgage

Document Number	0000046184
Date	Dec 11, 2025
Instrument	2025046184

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	123 FOURTH ST, SPRECKELS, CA 93962-2412
Document Number	0000022809
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	123 FOURTH ST SPRECKELS CA 939622412, SPRECKELS, CA 93962-2412

Mortgage

Document Number	0000022809
Date	May 13, 2020
Instrument	22809

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	123 FOURTH ST, SPRECKELS, CA 93962-2412
Document Number	0000033683
Instrument Date	Aug 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 7333 SPRECKELS CA 939627333, SPRECKELS, CA 93962-7333

Mortgage

Document Number	0000033683
Date	Aug 8, 2019
Instrument	33683

Lender

Name	SOFI LNDG
Address	COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

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		$722,817 (+2%) Land $296,235 Building $426,582
2025	$9,047.00 (+12.74%) Homeowner's exemption	$708,645 (+4.04%) Land $290,427 Building $418,218
2023	$8,025.00 (-0.56%) Homeowner's exemption	$681,129 Land $279,150 Building $401,979
2022	$8,070.00

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, GeoLinks, Verizon.

Nearby Properties on Fourth St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures