Monterey County property record for 428 Archer St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,108 sqft · built 1924 |
| Lot Size | 0.134 acres (5,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,013,000 (Feb 2025) |
| Tax Bill | $2,790 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-099-011-000 |
| Primary APN | 001-099-011-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,108 sqft Living Area |
| 1st Floor Area | 1,108 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,850 sqft (0.134 acres) |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Old Parcel Number | 001-099-011 |
|---|---|
| Street Address | 428 ARCHER ST |
| City | MONTEREY |
| State | CA |
| Zip | 93940-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LITTLES NEW MONTEREY LOT 12 BLK 13 |
| Legal Subdivision | LITTLES NEW MONTEREY |
| Legal Block | 13 |
| Legal Lot Number | 12 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 12504 |
428 Archer St is owned and occupied by two individuals who bought it in February 2025.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 ARCHER ST, MONTEREY, CA 93940-1723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Mar 8, 2021 | Intrafamily Transfer, Transfer |
| Feb 6, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2025 · Amount on File |
| Deed Sale | Feb 3, 2025 · Amount on File |
| Deed Document Number | 20253585 |
| Prior Transfer Date | Feb 13, 2021 |
| Prior Transfer Doc | 0000017058 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 428 ARCHER ST, MONTEREY, CA 93940-1723 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Title Company | LANDWOOD TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 428 ARCHER ST, MONTEREY, CA 93940-1723 |
| Document Number | 0000047420 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 2025047420 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2040 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Mar 8, 2021 |
| Property Address | 428 ARCHER ST, MONTEREY, CA 93940-1723 |
| Document Number | 0000017058 |
| Map Reference | VOL 1 PG 12 |
| Instrument Date | Feb 13, 2021 |
| Instrument | 2021017058 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 901 EMERALD WAY, SAN JOSE, CA 95117-2602 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Feb 6, 2018 |
| Property Address | 428 ARCHER ST, MONTEREY, CA 93940-1723 |
| Document Number | 0000005033 |
| Instrument Date | Jan 25, 2018 |
| Instrument | 5033 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 675 S BAYWOOD AVE SAN JOSE CA 951283302, SAN JOSE, CA 95128-3302 |
The 2025 property tax bill for 428 Archer St was $2,790 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Monterey City |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,033,260 (+362.5%) Land $714,000 Building $319,260 | |
| 2025 | $2,790.00 | $223,408 Land $121,855 Building $101,553 |
| 2023 | $2,412.00 (+1.39%) | $214,734 Land $117,124 Building $97,610 |
| 2022 | $2,379.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 428 Archer St in Zone X, an area of minimal flood risk.
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.
The area around 428 Archer St 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 763 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Razzolink Fixed Wireless | 500 / 250 |
May also be available: GeoLinks, Optimum, T-Mobile, Verizon.
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