409 San Bernabe Dr, Monterey, CA 93940 Property Records

Monterey County property record for 409 San Bernabe Dr, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,355 sqft · built 1968
Lot Size	0.28 acres (12,200 sqft)
Owner	Company Name on Record
Last Sale	$1,452,000 (Sep 2021)
Tax Bill	$10,846 (2025)
Deeds & Mortgages	Aug 2022 Transfer Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-621-003-000`

Property Details

APN / Parcel Number

Primary APN	`001-621-003-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,355 sqft Living Area
1st Floor Area	1,355 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Conventional
Construction Type	Frame
Lot Area	12,200 sqft (0.28 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 SAN BERNABE DR
City	MONTEREY
State	CA
Zip	93940-6126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTE REGIO NO 1 LOT 4 BLK 3
Legal Subdivision	MONTE REGIO NO 1
Legal Block	3
Legal Lot Number	4
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1026
Census Tract	12800

Owner

Source: Monterey County records, as of August 6, 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	Company Name on Record
Mailing Address	409 SAN BERNABE DR, MONTEREY, CA 93940-6126
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Intrafamily Transfer, Transfer
Apr 7, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Sep 8, 2021	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2021 · Amount on Record
Deed Sale	Sep 8, 2021 · Amount on Record
Prior Sale	Jun 23, 1999 · Amount on Record
Deed Document Number	202160294
Last Transfer Date	Jul 29, 2022
Transfer Doc	0000033796
Record Updated	Sep 20, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Aug 10, 2022
Property Address	409 SAN BERNABE DR, MONTEREY, CA 93940-6126
Document Number	0000033796
Map Reference	VOL 3 PG 36
Instrument Date	Jul 27, 2022
Instrument	2022033796
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	409 SAN BERNABE DR, MONTEREY, CA 93940-6126

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	409 SAN BERNABE DR, MONTEREY, CA 93940-6126
Transaction Type	Mortgage
Record Updated	Apr 19, 2022
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SAN BERNABE DR, MONTEREY, CA 93940-6126

Mortgage

Document Number	0000017104
Date	Apr 7, 2022
Instrument	2022017104

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 8, 2021
Property Address	409 SAN BERNABE DR, MONTEREY, CA 93940-6126
Document Number	0000060294
Map Reference	VOL 3 PG 36
Instrument Date	Sep 1, 2021
Instrument	2021060294
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	409 SAN BERNABE DR, MONTEREY, CA 93940-6126

Mortgage

Document Number	0000060295
Date	Sep 8, 2021
Instrument	2021060295

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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

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
2026		$960,394 (+2%) Land $412,969 Building $547,425
2025	$10,846.00 (+10.55%) Homeowner's exemption	$941,564 (+4.04%) Land $404,872 Building $536,692
2023	$9,811.00 (+1.41%) Homeowner's exemption	$905,003 Land $389,151 Building $515,852
2022	$9,675.00

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	2 in force
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2019 · rainfall accumulation

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 485 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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