326 Clay St, Monterey, CA 93940 Property Records

Monterey County property record for 326 Clay St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1936
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Company Names on Record
Last Sale	$595,000 (Jul 2015)
Tax Bill	$8,159 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-352-013-000`

Property Details

APN / Parcel Number

Primary APN	`001-352-013-000`
Alternative APN	`001-352-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,800 sqft (0.11 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-352-013
Street Address	326 CLAY ST
City	MONTEREY
State	CA
Zip	93940-2228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTEREY HEIGHTS LOT 3 BLK 5
Legal Subdivision	MONTEREY HEIGHTS
Legal Block	5
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	3
Census Block	3008
Census Tract	12700

Owner

Source: Monterey County records, as of June 15, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	326 CLAY ST, MONTEREY, CA 93940-2228
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 8, 2026	Grant Deed, Transfer CHICAGO TITLE COMPANY
Jun 8, 2026	Grant Deed, Transfer · Line of Credit MONTEREY CREDIT UNION
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Nov 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2015 · Amount on Record
Deed Sale	Jul 24, 2015 · Amount on Record
Deed Document Number	201541266
Last Transfer Date	May 29, 2026
Transfer Doc	0000019306
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	326 CLAY ST, MONTEREY, CA 93940-2228
Transaction Type	Mortgage
Record Updated	Jun 18, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035884
Date	May 19, 2021
Instrument	2021035884

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 8, 2026
Property Address	326 CLAY ST, MONTEREY, CA 93940-2228
Document Number	0000019308
Instrument Date	May 29, 2026
Instrument	202619308
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	326 CLAY ST, MONTEREY, CA 93940-2228

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 8, 2026
Property Address	326 CLAY ST, MONTEREY, CA 93940-2228
Document Number	0000019306
Instrument Date	May 29, 2026
Instrument	202619306
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 CLAY ST, MONTEREY, CA 93940-2228

Mortgage

Document Number	0000019307,
Date	Jun 8, 2026
Instrument	202619307

Lender

Name	MONTEREY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 10, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	326 CLAY ST, MONTEREY, CA 93940-2228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021838
Date	May 6, 2020
Instrument	2020021838

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 17, 2020
Property Address	326 CLAY ST, MONTEREY, CA 93940-2228
Document Number	0000067063
Instrument Date	Sep 14, 2020
Instrument	67063
Transaction Type	Transfer
Record Updated	Dec 1, 2020
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	326 CLAY ST MONTEREY CA 939402228, MONTEREY, CA 93940-2228

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	$8,159.00 (+11.04%) Homeowner's exemption	$704,352 (+4.04%) Land $532,705 Building $171,647
2023	$7,348.00 (+1.42%) Homeowner's exemption	$677,003 Land $512,020 Building $164,983
2022	$7,245.00

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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