Monterey County property record for 401 Ocean Ave, Monterey, CA 93940
| Property Type | Mixed Use Store/Office |
|---|---|
| Details | 9 bd · 5.5 ba · 6,347 sqft · built 1952 |
| Owner | Company Name on Record |
| Tax Bill | $13,074 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-839-015-000 |
| Primary APN | 001-839-015-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 28 Rooms |
| Stories | 2 Stories |
| Building Area | 6,347 sqft Gross Area |
| 1st Floor Area | 4,323 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Other |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Garage Area | 693 sqft |
| Total Buildings | 5 Buildings |
| Old Parcel Number | 001-839-015 |
|---|---|
| Street Address | 401 OCEAN AVE |
| City | MONTEREY |
| State | CA |
| Zip | 93940-3518 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Mixed Use Store/Office |
| Legal Description | OAK GROVE ADD POR OF LOTS 18 & 20 AS DESC IN VOL 1828 PG 239 & ALL OF LOT 22 BLK 9 |
| Legal Subdivision | OAK GROVE ADD |
| Legal Block | 9 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 13000 |
Source: Monterey County records, as of October 13, 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 | 1420 DEER FLAT RD, MONTEREY, CA 93940-4902 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 11, 2018 | Deed of Trust, Mortgage · Commercial Mortgage 1ST CAPITAL BANK |
| Aug 12, 2018 | Deed of Trust, Mortgage FIRST CAP BK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 26, 2005 |
| Transfer Doc | 0000065883 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 401 OCEAN AVE, MONTEREY, CA 93940-3518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000030533 |
|---|---|
| Date | Jul 11, 2018 |
| Instrument | 2018030533 |
| Name | 1ST CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | MONTEREY, CA 93940 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 401 OCEAN AVE, MONTEREY, CA 93940-3518 |
| Document Number | 0000041178 |
| Instrument Date | Aug 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 401 OCEAN AVE MONTEREY CA 939403518, MONTEREY, CA 93940-3518 |
| Document Number | 0000041178 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 41178 |
| Name | FIRST CAP BK |
|---|---|
| Type | Funding / Finance Company |
| Address | MONTEREY, CA 93940 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
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 | $1,058,602 (+2%) Land $529,301 Building $529,301 | |
| 2025 | $13,074.00 (+16.61%) | $1,037,846 (+4.04%) Land $518,923 Building $518,923 |
| 2023 | $11,212.00 (+1.36%) | $997,548 Land $498,774 Building $498,774 |
| 2022 | $11,062.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1978) |
| Most Recent Claim | Jan 1978 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Razzolink Fixed Wireless | 500 / 250 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks, T-Mobile, Verizon.
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