425 Watson St, Monterey, CA 93940 Property Records

Monterey County property record for 425 Watson St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,882 sqft · built 1925
Lot Size	0.084 acres (3,650 sqft)
Owner	2 Company Names on Record
Last Sale	$825,000 (Nov 2009)
Tax Bill	$12,244 (2025)
Deeds & Mortgages	Jan 2026 Transfer May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-393-031-000`

Property Details

APN / Parcel Number

Primary APN	`001-393-031-000`
Alternative APN	`001-393-031`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,882 sqft Living Area
1st Floor Area	1,882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,650 sqft (0.084 acres)
Garage Area	376 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	001-393-031
Street Address	425 WATSON ST
City	MONTEREY
State	CA
Zip	93940-2286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEVERANCE MAP LOT 18 BLK 57
Legal Subdivision	SEVERANCE
Legal Block	57
Legal Lot Number	18
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	4
Census Block	4006
Census Tract	12700

Owner

Source: Monterey County records, as of August 26, 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 Company Names on Record
Mailing Address	425 WATSON ST, MONTEREY, CA 93940-2286
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2026	Intrafamily Transfer, Transfer
May 3, 2021	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2009 · Amount on Record
Deed Sale	Nov 12, 2009 · Amount on Record
Prior Sale	Jun 25, 2004 · Amount on Record
Deed Document Number	200973359
Prior Transfer Date	Jul 17, 2003
Prior Transfer Doc	0000090237
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jan 2, 2026
Property Address	425 WATSON ST, MONTEREY, CA 93940-2286
Document Number	0000000123
Instrument Date	Nov 25, 2025
Instrument	2026000123
Transaction Type	Transfer
Record Updated	Jan 12, 2026

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	Living Trust
Address	425 WATSON ST, MONTEREY, CA 93940-2286

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	425 WATSON ST, MONTEREY, CA 93940-2286
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 WATSON ST, MONTEREY, CA 93940-2286

Mortgage

Document Number	0000031947
Date	May 3, 2021
Instrument	2021031947

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

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		$1,086,213 (+2%) Land $789,978 Building $296,235
2025	$12,244.00 (+10.39%) Homeowner's exemption	$1,064,916 (+4.04%) Land $774,489 Building $290,427
2023	$11,092.00 (+1.41%) Homeowner's exemption	$1,023,565 Land $744,415 Building $279,150
2022	$10,938.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 533 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250

May also be available: GeoLinks, Verizon.

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