Monterey County property record for 299 Spencer St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 736 sqft · built 1910 |
| Lot Size | 0.085 acres (3,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Mar 2015) |
| Tax Bill | $6,307 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-103-004-000 |
| Primary APN | 001-103-004-000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 736 sqft Living Area |
| 1st Floor Area | 736 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,700 sqft (0.085 acres) |
| Garage Area | 323 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 299 SPENCER ST |
|---|---|
| City | MONTEREY |
| State | CA |
| Zip | 93940-1835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VOL 11 PAR MAPS PG 113 PAR A |
| Legal Block | 1 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 12504 |
299 Spencer St is owned and occupied by an individual who acquired it in September 2016.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 299 SPENCER ST, MONTEREY, CA 93940-1835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2015 · Amount on File |
| Deed Sale | Mar 20, 2015 · Amount on File |
| Prior Sale | Jul 16, 1996 · Amount on File |
| Deed Document Number | 201513792 |
| Last Transfer Date | Sep 21, 2016 |
| Transfer Doc | 0000055496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 299 SPENCER ST, MONTEREY, CA 93940-1835 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | TITLE 500 INC, TITLE 365 INC |
| Name | Verified Name |
|---|---|
| Address | 299 SPENCER ST, MONTEREY, CA 93940-1835 |
| Document Number | 0000025565 |
|---|---|
| Date | Apr 8, 2021 |
| Instrument | 2021025565 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 299 Spencer St was $6,307 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Monterey City |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $570,023 (+2%) Land $429,053 Building $140,970 | |
| 2025 | $6,307.00 Homeowner's exemption | $558,847 Land $420,641 Building $138,206 |
| 2023 | $5,820.00 (+1.41%) Homeowner's exemption | $537,149 Land $404,308 Building $132,841 |
| 2022 | $5,739.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 299 Spencer St in Zone X, an area of minimal flood risk.
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.
The area around 299 Spencer St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 763 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 |
May also be available: GeoLinks, Optimum, T-Mobile, Verizon.
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