21 Fourth St, Spreckels, CA 93962 Property Records

Monterey County property record for 21 Fourth St, Spreckels, CA 93962

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 898 sqft · built 1920
Lot Size	0.145 acres (6,323 sqft)
Owner	2 Individual Names on Record
Last Sale	$720,000 (Mar 2024)
Tax Bill	$8,955 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`177-043-015-000`

Property Details

APN / Parcel Number

Primary APN	`177-043-015-000`
Alternative APN	`177-043-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	898 sqft Living Area
1st Floor Area	898 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	L-Shape
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,323 sqft (0.145 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Zoned

Location & Zoning

Old Parcel Number	177-043-015
Street Address	21 FOURTH ST
City	SPRECKELS
State	CA
Zip	93962-2411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF SPRECKELS LOT 15 BLK D
Legal Subdivision	TOWN OF SPRECKELS
Legal Block	D
Legal Lot Number	15
Jurisdiction	MONTEREY CA
Township / Civil Division	SALINAS
Census Block Group	1
Census Block	1057
Census Tract	14500

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	21 FOURTH ST, SPRECKELS, CA 93962-2411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Deed of Trust, Mortgage · Commercial Mortgage GOLDEN STATE FINANCE AUTHORITY
Mar 1, 2024	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Mar 1, 2024	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on Record
Deed Sale	Mar 1, 2024 · Amount on Record
Prior Sale	Sep 3, 2004 · Amount on Record
Deed Document Number	20247172
Prior Transfer Date	Feb 9, 1996
Prior Transfer Doc	0000050877
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	21 FOURTH ST, SPRECKELS, CA 93962-2411
Transaction Type	Mortgage
Record Updated	Mar 20, 2024
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 FOURTH ST, SPRECKELS, CA 93962-2411

Mortgage

Document Number	0000007174
Date	Mar 1, 2024
Instrument	2024007174

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 1, 2024
Property Address	21 FOURTH ST, SPRECKELS, CA 93962-2411
Document Number	0000007172
Map Reference	VOL 1 PG 71
Instrument Date	Feb 26, 2024
Instrument	2024007172
Transaction Type	Transfer
Record Updated	Mar 20, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default 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	21 FOURTH ST, SPRECKELS, CA 93962-2411

Mortgage

Document Number	0000007173
Date	Mar 1, 2024
Instrument	2024007173

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 1, 2024
Property Address	21 FOURTH ST, SPRECKELS, CA 93962-2411
Document Number	0000007172
Map Reference	VOL 1 PG 71
Instrument Date	Feb 26, 2024
Instrument	2024007172
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default 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	21 FOURTH ST, SPRECKELS, CA 93962-2411

Mortgage

Document Number	0000007173
Date	Mar 1, 2024
Instrument	2024007173

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Mortgage

Document Number	0000007174
Date	Mar 1, 2024
Instrument	2024007174

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	21 FOURTH ST, SPRECKELS, CA 93962-2411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7573 P0 BOX, SPRECKELS, CA 93962

Mortgage

Document Number	0000073308
Date	Dec 10, 2020
Instrument	2020073308

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 23, 2019
Property Address	21 FOURTH ST, SPRECKELS, CA 93962-2411
Document Number	0000049896
Instrument Date	Oct 14, 2019
Instrument	49896
Transaction Type	Transfer
Record Updated	Nov 6, 2019
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	Revocable Trust
Address	PO BOX 7573 SPRECKELS CA 939627573, SPRECKELS, CA 93962-7573

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	21 FOURTH ST, SPRECKELS, CA 93962-2411
Document Number	0000006110
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7573 SPRECKELS CA 939627573, SPRECKELS, CA 93962-7573

Mortgage

Document Number	0000006110
Date	Feb 13, 2018
Instrument	6110

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 12, 2033

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		$749,088 (+2%) Land $312,120 Building $436,968
2025	$8,955.00 (+29.28%)	$734,400 (+21.81%) Land $306,000 Building $428,400
2023	$6,927.00 (+2.44%) Homeowner's exemption	$602,890 Land $334,940 Building $267,950
2022	$6,762.00

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 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	4 (1998)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 4 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 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.

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