415 Michael Cir, Gonzales, CA 93926 Property Records

Monterey County property record for 415 Michael Cir, Gonzales, CA 93926

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1985
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$548,000 (Jul 2023)
Tax Bill	$6,508 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`020-231-019-000`

Property Details

APN / Parcel Number

Primary APN	`020-231-019-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	415 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 19
Legal Subdivision	FAIRVIEW ESTATES UNIT NO 2
Legal Tract	962
Legal Block	3
Legal Lot Number	19
Jurisdiction	MONTEREY CA
Township / Civil Division	GONZALES
Census Block Group	3
Census Block	3000
Census Tract	10804

Owner

Source: Monterey County records, as of August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 1311, GONZALES, CA 93926-1311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Jun 9, 2005 · Amount on Record
Deed Document Number	202320768
Prior Transfer Date	Aug 30, 2005
Prior Transfer Doc	0000092111
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 7, 2023
Property Address	415 MICHAEL CIR, GONZALES, CA 93926
Document Number	0000020768
Map Reference	VOL 15 PG 9
Instrument Date	Jun 29, 2023
Instrument	2023020768
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	415 MICHAEL CIR, GONZALES, CA 93926

Mortgage

Document Number	0000020769
Date	Jul 7, 2023
Instrument	2023020769

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$570,139 (+2%) Land $301,716 Building $268,423
2025	$6,508.00 (+14.74%) Homeowner's exemption	$558,960 (+11.79%) Land $295,800 Building $263,160
2023	$5,672.00 (+5.1%) Homeowner's exemption	$500,000 (+10.62%) Land $319,000 Building $181,000
2022	$5,397.00 Homeowner's exemption	$452,000 Land $289,000 Building $163,000

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 Claims	5 (1995–1998)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 2 claims

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	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

Violations Reported to EPA

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.

Internet Providers

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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