20320 Espana Ct, Salinas, CA 93908 Property Records

Monterey County property record for 20320 Espana Ct, Salinas, CA 93908

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,545 sqft · built 1990
Lot Size	0.27 acres (11,779 sqft)
Owner	Trust Name on File
Last Sale	$1,070,000 (Jun 2006)
Tax Bill	$16,257 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`161-043-031-000`

Property Details

APN / Parcel Number

Primary APN	`161-043-031-000`
Alternative APNs	`161-043-031` `161043310`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,545 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Tile
Lot Area	11,779 sqft (0.27 acres)
Garage Area	595 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	161-043-031
Street Address	20320 ESPANA CT
City	SALINAS
State	CA
Zip	93908-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TORO SUNSHINE SUBD TR 1113 LOT 31
Legal Subdivision	TORO SUNSHINE SUBD
Legal Tract	1113
Legal Block	4
Legal Lot Number	31
Jurisdiction	MONTEREY CA
Township / Civil Division	TORO PARK
Census Block Group	4
Census Block	4005
Census Tract	14110

Owner

20320 Espana Ct is owner-occupied and held in a trust since June 2006.

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

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

Owner of Record	Trust Name on File
Mailing Address	20320 ESPANA CT, SALINAS, CA 93908-1252
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 13, 2020	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Nov 14, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2006 · Amount on File
Deed Sale	Jun 23, 2006 · Amount on File
Prior Sale	Nov 1, 2004 · Amount on File
Deed Document Number	200655914
Prior Transfer Date	Jun 8, 1995
Prior Transfer Doc	0000029225
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	20320 ESPANA CT, SALINAS, CA 93908-1252
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20320 ESPANA CT, SALINAS, CA 93908-1252

Mortgage

Document Number	0000051537
Date	Dec 9, 2022
Instrument	2022051537

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	20320 ESPANA CT, SALINAS, CA 93908-1252
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20320 ESPANA CT, SALINAS, CA 93908-1252

Mortgage

Document Number	0000011922
Date	Feb 16, 2021
Instrument	2021011922

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	20320 ESPANA CT, SALINAS, CA 93908-1252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICLEINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001790
Date	Jan 13, 2020
Instrument	2020001790

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 14, 2019
Property Address	20320 ESPANA CT, SALINAS, CA 93908-1252
Document Number	0000053992
Map Reference	VOL 16 PG 85
Instrument Date	Nov 8, 2019
Instrument	2019053992
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20320 ESPANA CT, SALINAS, CA 93908-1252

Mortgage

Document Number	0000053993
Date	Nov 14, 2019
Instrument	2019053993

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20320 Espana Ct was $16,257 with a homeowner's exemption, up 11.2% from the year before.

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		$1,423,500 (+2.41%) Land $400,000 Building $1,023,500
2025	$16,257.00 (+11.22%) Homeowner's exemption	$1,390,000 Land $400,000 Building $990,000
2024	$14,617.00 (+1.4%)
2023	$14,415.00 (+10.53%) Homeowner's exemption	$1,305,000 Land $732,000 Building $573,000
2022	$13,042.00

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

Flood

FEMA maps place 20320 Espana Ct in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, 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

Wildfire risk around 20320 Espana Ct is moderate, ranking above 69% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 44% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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	CWSC SALINAS HILLS private · serves 7,733 people · EPA ID CA2710012
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2023–2025) 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 113 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio.

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