Monterey County property record for 23655 Determine Ln, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,316 sqft · built 1991 |
| Lot Size | 2.35 acres (102,540 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,350,000 (Jul 2020) |
| Tax Bill | $28,813 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 173-101-035-000 |
| Primary APN | 173-101-035-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 15 Rooms |
| Stories | 2 Stories |
| Building Area | 4,316 sqft Living Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 102,540 sqft |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Old Parcel Number | 173-101-035 |
|---|---|
| Street Address | 23655 DETERMINE LN |
| City | MONTEREY |
| State | CA |
| Zip | 93940-6514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAGUNA SECA RANCH ESTATES NO 2 TRACT NO 893 LOT 35 2.354 AC |
| Legal Subdivision | LAGUNA SECA RANCH ESTATES NO 2 |
| Legal Tract | 893 |
| Legal Lot Number | 35 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 13200 |
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 | 14633 COLE DR, SAN JOSE, CA 95124-4304 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2017 | Deed of Trust, Mortgage · ARM MUFG UNION BANK NA |
| Jul 10, 2020 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2020 · Amount on Record |
| Deed Sale | Jul 10, 2020 · Amount on Record |
| Deed Document Number | 202033564 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 23655 DETERMINE LN, MONTEREY, CA 93940-6514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000069646 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 2017069646 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jul 10, 2020 |
| Property Address | 23655 DETERMINE LN, MONTEREY, CA 93940-6514 |
| Document Number | 0000033564 |
| Map Reference | VOL 14 PG 28 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 2020033564 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 14633 COLE DR, SAN JOSE, CA 95124-4304 |
| Document Number | 0000033565 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 2020033565 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Secondary School District | Salinas Union High School District (07 - 12) |
| Elementary School District | Washington Union Elementary School District (KG - 06) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,594,587 (+2%) Land $552,040 Building $2,042,547 | |
| 2025 | $28,813.00 (+8.06%) | $2,543,714 (+4.04%) Land $541,216 Building $2,002,498 |
| 2023 | $26,663.00 (-0.74%) | $2,444,940 Land $520,200 Building $1,924,740 |
| 2022 | $26,861.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Jan 1982 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 66% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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