287 Monroe St, Monterey, CA 93940 Property Records

Monterey County property record for 287 Monroe St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,485 sqft · built 1926
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Tax Bill	$9,567 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-375-016-000`

Property Details

APN / Parcel Number

Primary APN	`001-375-016-000`
Alternative APN	`001-375-016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,485 sqft Living Area
1st Floor Area	1,485 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Garage Area	295 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-375-016
Street Address	287 MONROE ST
City	MONTEREY
State	CA
Zip	93940-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEVERANCE MAP BAGBY SUBD LOT 14 BLK 67
Legal Subdivision	SEVERANCE
Legal Block	67
Legal Lot Number	14
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 July 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	287 MONROE ST, MONTEREY, CA 93940-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 18, 2020	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 4, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PACIFIC BAY LENDING GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020
Deed Sale	Nov 4, 2020
Prior Sale	Apr 11, 2016 · Amount on Record
Deed Document Number	202063460
Prior Transfer Date	Jul 16, 2020
Prior Transfer Doc	0000063460
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	Jul 9, 2026
Property Address	287 MONROE ST, MONTEREY, CA 93940-2215
Document Number	0000023159
Instrument Date	Jul 6, 2026
Instrument	202623159
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 MONROE ST, MONTEREY, CA 93940-2215

Mortgage

Document Number	0000023159,
Date	Jul 9, 2026
Instrument	202623159

Lender

Name	FREMONT BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	287 MONROE ST, MONTEREY, CA 93940-2215
Transaction Type	Mortgage
Record Updated	Dec 14, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 MONROE ST, MONTEREY, CA 93940-2215

Mortgage

Document Number	0000042089
Date	Dec 1, 2023
Instrument	2023042089

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	287 MONROE ST, MONTEREY, CA 93940-2215
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008040
Date	Feb 18, 2020
Instrument	2020008040

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	287 MONROE ST, MONTEREY, CA 93940-2215
Transaction Type	Mortgage
Record Updated	Aug 31, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 MONROE ST, MONTEREY, CA 93940-2215

Mortgage

Document Number	0000041312
Date	Jun 14, 2021
Instrument	2021041312

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 4, 2020
Property Address	287 MONROE ST, MONTEREY, CA 93940-2215
Document Number	0000063460
Map Reference	VOL 1 PG 19
Instrument Date	Jul 16, 2020
Instrument	2020063460
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	FIRST AMERICAN TITLE INS CO

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

Mortgage

Document Number	0000063461
Date	Nov 4, 2020
Instrument	2020063461

Lender

Name	PACIFIC BAY LENDING GROUP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 23, 2025

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
2025	$9,567.00 (+10.74%) Homeowner's exemption	$828,652 (+4.04%) Land $473,516 Building $355,136
2023	$8,639.00 (+1.42%) Homeowner's exemption	$796,477 Land $455,130 Building $341,347
2022	$8,518.00

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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