402 4th St, Pacific Grove, CA 93950 Property Records

Monterey County property record for 402 4th St, Pacific Grove, CA 93950

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,399 sqft · built 1923
Lot Size	0.319 acres (13,900 sqft)
Owner	2 Individual Names on File
Last Sale	$2,550,000 (Oct 2023)
Tax Bill	$28,537 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`006-511-016-000`

Property Details

APN / Parcel Number

Primary APN	`006-511-016-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,399 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	13,900 sqft (0.319 acres)
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	402 4TH ST
City	PACIFIC GROVE
State	CA
Zip	93950-4608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 15 SUR MAPS PG 119 LOT 1
Legal Subdivision	PACIFIC GROVE
Legal Block	1
Legal Lot Number	1
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1002
Census Tract	12200

Owner

Source: Monterey County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 26, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 1, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Nov 28, 2005 · Amount on File
Deed Document Number	202337533
Prior Transfer Date	May 26, 2004
Prior Transfer Doc	0000061853
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608

Mortgage

Document Number	0000045508
Date	Dec 5, 2025
Instrument	2025045508

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	10.5%

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 26, 2023
Property Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608
Document Number	0000037533
Map Reference	VOL 15 PG 119
Instrument Date	Oct 18, 2023
Instrument	2023037533
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	110 9TH ST, PACIFIC GROVE, CA 93950-2911

Mortgage

Document Number	0000037534
Date	Oct 26, 2023
Instrument	2023037534

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	12.3%
Max Rate	12.3%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608

Mortgage

Document Number	0000019919
Date	Apr 26, 2022
Instrument	2022019919

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608

Mortgage

Document Number	0000030874
Date	Apr 29, 2021
Instrument	2021030874

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	402 4TH ST, PACIFIC GROVE, CA 93950-4608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006188
Date	Feb 1, 2017
Instrument	2017006188

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Pacific Grove City
Unified School District	Pacific Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,653,020 (+2%) Land $988,380 Building $1,664,640
2025	$28,537.00 (+44.28%)	$2,601,000 (+44.24%) Land $969,000 Building $1,632,000
2023	$19,779.00 (+2.08%) Homeowner's exemption	$1,803,248 Land $645,405 Building $1,157,843
2022	$19,376.00

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 · 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

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.

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 1,122 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Razzolink.

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