Monterey County property record for 411 Michael Cir, Gonzales, CA 93926
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1985 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,500 (Dec 2008) |
| Tax Bill | $3,031 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-231-021-000 |
| Primary APN | 020-231-021-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 411 MICHAEL CIR |
|---|---|
| City | GONZALES |
| State | CA |
| Zip | 93926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FAIRVIEW ESTATES UNIT NO 2 TRACT NO 962 LOT 21 |
| Legal Subdivision | FAIRVIEW ESTATES UNIT NO 2 |
| Legal Tract | 962 |
| Legal Block | 3 |
| Legal Lot Number | 21 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | GONZALES |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 10804 |
411 Michael Cir is owned by an individual who bought it in December 2008.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 1955, GONZALES, CA 93926-1955 |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Mar 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 1, 2008 · Amount on File |
| Deed Sale | Dec 1, 2008 · Amount on File |
| Prior Sale | May 16, 2008 · Amount on File |
| Deed Document Number | 200877661 |
| Prior Transfer Date | Nov 21, 2008 |
| Prior Transfer Doc | 0000077662 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jul 27, 2026 |
| Property Address | 411 MICHAEL CIR, GONZALES, CA 93926 |
| Document Number | 0000025267 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202625267 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | WFG LENDER SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000025267, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202625267 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 411 MICHAEL CIR, GONZALES, CA 93926 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 411 MICHAEL CIR, GONZALES, CA 93926 |
| Document Number | 0000012717 |
|---|---|
| Date | Mar 16, 2022 |
| Instrument | 2022012717 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2025 property tax bill for 411 Michael Cir was $3,031.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Gonzales City |
| Unified School District | Gonzales Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $260,570 (+2%) Land $107,174 Building $153,396 | |
| 2025 | $3,031.00 | $255,462 Land $105,073 Building $150,389 |
| 2023 | $2,842.00 (-3.17%) | $245,544 Land $100,994 Building $144,550 |
| 2022 | $2,935.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 411 Michael Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1995.
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 Claims | 5 (1995–1998) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
| Claims by Event |
|
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.
The area around 411 Michael Cir has no burnable land within ember reach, so its wildfire risk is not rated.
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 | CITY OF GONZALES serves 8,333 people · EPA ID CA2710007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 462 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, GeoLinks, Ranch Wifi.
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