281 Clay St, Monterey, CA 93940 Property Records

Monterey County property record for 281 Clay St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 546 sqft · built 1936
Lot Size	0.041 acres (1,800 sqft)
Owner	Company Name on Record
Last Sale	$561,500 (Apr 2017)
Tax Bill	$7,641 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-373-003-000`

Property Details

APN / Parcel Number

Primary APN	`001-373-003-000`
Alternative APN	`001-373-003`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	546 sqft Living Area
1st Floor Area	546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1964
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	1,800 sqft (0.041 acres)
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	001-373-003
Street Address	281 CLAY ST
City	MONTEREY
State	CA
Zip	93940-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEVERANCE MAP BLK 70 HARTNELL SUB WLY PTN OF LOTS 19, 20 AS DESC IN R 399 PG 599
Legal Subdivision	SEVERANCE
Legal Block	70
Legal Lot Number	19,20
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	4
Census Block	4000
Census Tract	12700

Owner

Source: Monterey County records, as of September 1, 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	8024 SW 54TH AVE, PORTLAND, OR 97219-3203
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU
Jan 3, 2019	Quit Claim Deed, Transfer Quitclaim
Apr 14, 2017	Grant Deed, Transfer · Conventional Mortgage STANFORD FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Prior Sale	Jan 18, 2002 · Amount on Record
Deed Document Number	201720002
Last Transfer Date	Jan 3, 2019
Transfer Doc	0000000343
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	281 CLAY ST, MONTEREY, CA 93940-2225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006444
Date	Feb 15, 2018
Instrument	2018006444

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	281 CLAY ST, MONTEREY, CA 93940-2225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORNERSTONE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8024 SW 54TH AVE, PORTLAND, OR 97219-3203

Mortgage

Document Number	0000046076
Date	Sep 4, 2020
Instrument	2020046076

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 3, 2019
Property Address	281 CLAY ST, MONTEREY, CA 93940-2225
Document Number	0000000343
Instrument Date	Jan 3, 2019
Instrument	343
Transaction Type	Transfer
Record Updated	Jan 17, 2019

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	8024 SW 54TH AVE PORTLAND OR 972193203, PORTLAND, OR 97219-3203

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 14, 2017
Property Address	281 CLAY ST, MONTEREY, CA 93940-2225
Document Number	0000020002
Instrument Date	Apr 10, 2017
Instrument	2017020002
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	8024 SW 54TH AVE, PORTLAND, OR 97219-3203

Mortgage

Document Number	0000020003
Date	Apr 14, 2017
Instrument	2017020003

Lender

Name	STANFORD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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	Monterey City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$664,696 (+2%) Land $473,516 Building $191,180
2025	$7,641.00 (+8.21%)	$651,664 (+4.04%) Land $464,232 Building $187,432
2024	$7,061.00 (+2.93%)
2023	$6,860.00 (+1.39%)	$626,360 Land $446,206 Building $180,154
2022	$6,766.00

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 minimal risk
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	Not rated no burnable land within 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: GeoLinks.

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