Monterey County property record for 354 Clay St, Monterey, CA 93940
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1.5 ba · 1,302 sqft · built 1959 |
| Lot Size | 0.078 acres (3,400 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,438 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-351-024-000 |
| Primary APN | 001-351-024-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,302 sqft Living Area |
| 1st Floor Area | 1,302 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 3,400 sqft (0.078 acres) |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Old Parcel Number | 001-351-024 |
|---|---|
| Street Address | 354 CLAY ST |
| City | MONTEREY |
| State | CA |
| Zip | 93940-2252 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | MONTEREY HEIGHTS ELY 85 FT OF LOT 1 BLK 4 |
| Legal Subdivision | MONTEREY HEIGHTS |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 12700 |
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 Company Names on Record |
|---|---|
| Mailing Address | PO BOX 1007, MONTEREY, CA 93942-1007 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 23, 1994 |
| Transfer Doc | 0000023908 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Apr 1, 2026 |
| Property Address | 354 CLAY ST, MONTEREY, CA 93940-2252 |
| Document Number | 0000010398 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202610398 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Document Number | 0000010399, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 202610399 |
| Name | SYNERGY ONE LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $1,352,520 (+399.07%) Land $728,280 Building $624,240 | |
| 2025 | $3,438.00 (+11.44%) | $271,008 (+4.04%) Land $77,267 Building $193,741 |
| 2024 | $3,085.00 (+7.79%) | |
| 2023 | $2,862.00 (+1.45%) Homeowner's exemption | $260,486 Land $74,267 Building $186,219 |
| 2022 | $2,821.00 |
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
| 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.
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 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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