125 Spray Ave, Monterey, CA 93940 Property Records

Monterey County property record for 125 Spray Ave, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,350 sqft · built 1960
Lot Size	0.083 acres (3,600 sqft)
Owner	Company Name on Record
Tax Bill	$4,064 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011-462-016-000`

Property Details

APN / Parcel Number

Primary APN	`011-462-016-000`
Alternative APN	`011-462-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Tar & Gravel
Lot Area	3,600 sqft (0.083 acres)
Garage Area	246 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	011-462-016
Street Address	125 SPRAY AVE
City	MONTEREY
State	CA
Zip	93940-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEL MONTE BEACH MAP 1 LOT 18 BLK K
Legal Subdivision	DEL MONTE BEACH MAP 1
Legal Block	K
Legal Lot Number	18
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2003
Census Tract	13300

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	125 SPRAY AVE, MONTEREY, CA 93940-3411
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit BAY FEDERAL CREDIT UNION
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 3, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 7, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 22, 1994
Transfer Doc	0000021754
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	Apr 14, 2026
Property Address	125 SPRAY AVE, MONTEREY, CA 93940-3411
Document Number	0000012170
Instrument Date	Apr 7, 2026
Instrument	202612170
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	125 SPRAY AVE, MONTEREY, CA 93940-3411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012170,
Date	Apr 14, 2026
Instrument	202612170

Lender

Name	BAY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 15, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SPRAY AVE, MONTEREY, CA 93940-3411
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SPRAY AVE, MONTEREY, CA 93940-3411

Mortgage

Document Number	0000029129
Date	Apr 22, 2021
Instrument	2021029129

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	175 Months
Due	Nov 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SPRAY AVE, MONTEREY, CA 93940-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034351
Date	Aug 3, 2018
Instrument	2018034351

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 27, 2018
Property Address	125 SPRAY AVE, MONTEREY, CA 93940-3411
Document Number	0000018342
Instrument Date	Apr 18, 2018
Instrument	18342
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	125 SPRAY AVE MONTEREY CA 939403411, MONTEREY, CA 93940-3411

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	125 SPRAY AVE, MONTEREY, CA 93940-3411
Document Number	0000043229
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2017
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	125 SPRAY AVE MONTEREY CA 939403411, MONTEREY, CA 93940-3411

Mortgage

Document Number	0000043229
Date	Aug 14, 2017
Instrument	43229

Lender

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

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 13, 2032

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Monterey City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$342,598 (+2%) Land $172,255 Building $170,343
2025	$4,064.00 (+12.98%)	$335,881 (+4.04%) Land $168,878 Building $167,003
2023	$3,597.00 (+1.38%)	$322,840 Land $162,321 Building $160,519
2022	$3,548.00

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	22 (1998–2002)
Claims Outside the SFHA	12 of 22
Most Recent Claim	Dec 2002 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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	CAL AM WATER COMPANY - MONTEREY private · serves 128,928 people · EPA ID CA2710004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	1 ppb (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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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