1531 Harding St, Seaside, CA 93955 Property Records

Monterey County property record for 1531 Harding St, Seaside, CA 93955

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,002 sqft · built 1959
Lot Size	0.084 acres (3,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Nov 2017)
Tax Bill	$4,316 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`012-207-015-000`

Property Details

APN / Parcel Number

Primary APN	`012-207-015-000`
Alternative APN	`012-207-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,002 sqft Living Area
1st Floor Area	1,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,650 sqft (0.084 acres)
Garage Area	282 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	012-207-015
Street Address	1531 HARDING ST
City	SEASIDE
State	CA
Zip	93955-5027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEL MONTE HEIGHTS MAP 5 LOT 27 & 29 BLK 7 EXC ELY 2 FT & EXC EASEMENT OVER WLY 4 FT OF ELY 6 FT
Legal Subdivision	CASA VERDE VILLAS
Legal Block	7
Legal Lot Number	27,29
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	3
Census Block	3006
Census Tract	13500

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	2 Individual Names on Record
Mailing Address	1531 HARDING ST, SEASIDE, CA 93955-5027
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Mar 9, 2021	Deed of Trust, Mortgage · VA Mortgage SMI LENDING INC
May 6, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Nov 22, 2017	Grant Deed, Transfer · VA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2017 · Amount on Record
Deed Sale	Nov 22, 2017 · Amount on Record
Prior Sale	Dec 23, 2014 · Amount on Record
Deed Document Number	201764904
Prior Transfer Date	Feb 5, 2007
Prior Transfer Doc	0000011446
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1531 HARDING ST, SEASIDE, CA 93955-5027
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	SERVICELINK HOME EQUITY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1531 HARDING ST, SEASIDE, CA 93955-5027

Mortgage

Document Number	0000002023
Date	Jan 22, 2026
Instrument	2026002023

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1531 HARDING ST, SEASIDE, CA 93955-5027
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017391
Date	Mar 9, 2021
Instrument	2021017391

Lender

Name	SMI LENDING INC
Type	Lending Institution
Address	DALLAS, TX 75244

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1531 HARDING ST, SEASIDE, CA 93955-5027
Document Number	0000022705
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1531 HARDING ST SEASIDE CA 939555027, SEASIDE, CA 93955-5027

Mortgage

Document Number	0000022705
Date	May 12, 2020
Instrument	22705

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 22, 2017
Property Address	1531 HARDING ST, SEASIDE, CA 93955-5027
Document Number	0000064904
Map Reference	MB2 PG15
Instrument Date	Nov 20, 2017
Instrument	2017064904
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1531 HARDING ST, SEASIDE, CA 93955-5027

Mortgage

Document Number	0000064905
Date	Nov 22, 2017
Instrument	2017064905

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$562,878 (+2%) Land $377,187 Building $185,691
2025	$4,316.00 (-24.85%) Disabled Person's exemption Veteran's exemption	$551,842 (+4.04%) Land $369,792 Building $182,050
2023	$5,743.00 (+1.43%) Homeowner's exemption	$530,416 Land $355,434 Building $174,982
2022	$5,662.00

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 923 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250

May also be available: T-Mobile, Verizon.

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