415 Estrella Ave, Monterey, CA 93940 Property Records

Monterey County property record for 415 Estrella Ave, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,429 sqft · built 2021
Lot Size	0.885 acres (38,563 sqft)
Owner	Company Name on Record
Last Sale	$750,000 (Jul 2020)
Tax Bill	$27,962 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`173-072-035-000`

Property Details

APN / Parcel Number

Primary APN	`173-072-035-000`
Alternative APN	`173-072-035`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,429 sqft Living Area
1st Floor Area	4,673 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	38,563 sqft (0.885 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	173-072-035
Street Address	415 ESTRELLA AVE
City	MONTEREY
State	CA
Zip	93940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RANCHO MONTEREY SUBDIVISION VOL 20 C&T PAGE 7 TRACT NO 1307 LOT 74
Legal Subdivision	RANCHO MONTEREY SUBDIVISION
Legal Tract	1307
Legal Lot Number	74
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1005
Census Tract	13200

Owner

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	415 ESTRELLA DORO, MONTEREY, CA 93940-7608
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 26, 2021	Deed of Trust, Mortgage · Construction Mortgage COGENT BANK
Jul 1, 2020	Grant Deed, Transfer · Conventional Mortgage COSENTINO L & K L/TR (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on Record
Deed Sale	Jul 1, 2020 · Amount on Record
Prior Sale	Apr 11, 2011 · Amount on Record
Deed Document Number	202031678
Prior Transfer Date	Mar 26, 2015
Prior Transfer Doc	0000028120
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	415 ESTRELLA AVE, MONTEREY, CA 93940
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ESTRELLA DORO, MONTEREY, CA 93940-7608

Mortgage

Document Number	0000001587
Date	Jan 20, 2023
Instrument	2023001587

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	92790

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	415 ESTRELLA AVE, MONTEREY, CA 93940
Transaction Type	Mortgage
Record Updated	Aug 15, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 ESTRELLA AVE, MONTEREY, CA 93940

Mortgage

Document Number	0000057569
Date	Aug 26, 2021
Instrument	2021057569

Lender

Name	COGENT BANK
Type	Bank
Address	SALINAS, CA 93901

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 1, 2020
Property Address	415 ESTRELLA AVE, MONTEREY, CA 93940-3723
Document Number	0000031678
Instrument Date	Jun 28, 2020
Instrument	31678
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9 STRATFORD PL MONTEREY CA 93940, MONTEREY, CA 93940

Mortgage

Document Number	31679
Date	Jul 1, 2020
Instrument	31679

Lender

Name	COSENTINO L & K L/TR (RT)
Address	535 FOAM ST # 200, MONTEREY, CA 93940-7506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Secondary School District	Salinas Union High School District (07 - 12)
Elementary School District	Washington Union Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,525,029 (+2%) Land $707,007 Building $1,818,022
2025	$27,962.00 (+8.02%) Homeowner's exemption	$2,475,520 (+4.04%) Land $693,145 Building $1,782,375
2023	$25,887.00 (+49.99%) Homeowner's exemption	$2,379,394 Land $666,230 Building $1,713,164
2022	$17,259.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · 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	Moderate above 60% of the US · lower than 63% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cruzio Fixed Wireless	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, Spectrum.

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