428 Larkin St, Monterey, CA 93940 Property Records

Monterey County property record for 428 Larkin St, Monterey, CA 93940 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,057 sqft · built 1937
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$725,000 (Sep 2004)
Tax Bill	$1,541 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-393-005-000`

Property Details

APN / Parcel Number

Primary APN	`001-393-005-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,057 sqft Living Area
1st Floor Area	2,057 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	428 LARKIN ST
City	MONTEREY
State	CA
Zip	93940-2608
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SEVERANCE MAP NLY 1/2 OF L 15 BLK 57 EXC R-W OVER S 5 FT ALSO R-W OVER 5 FT STRIP ADJ ON SOUTH
Legal Subdivision	MONTEREY
Legal Block	57
Legal Lot Number	15
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	4
Census Block	4006
Census Tract	12700

Owner

Source: Monterey County records · APN 001-393-005-000

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	428 LARKIN ST, MONTEREY, CA 93940-2608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Nov 03, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 02, 2004 · Amount on Record
Deed Sale	Sep 02, 2004 · Amount on Record
Deed Document Number	200492877
Last Transfer Date	Oct 27, 2021
Transfer Doc	0000075086
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	428 LARKIN ST, MONTEREY, CA 93940-2608
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 LARKIN ST, MONTEREY, CA 93940-2608

Mortgage

Document Number	0000027073
Date	Jun 15, 2022
Instrument	2022027073

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jul 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 03, 2021
Property Address	428 LARKIN ST, MONTEREY, CA 93940-2608
Document Number	0000075086
Instrument Date	Oct 27, 2021
Instrument	2021075086
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	CHICAGO TITLE COMPANY

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
Address	428 AND 428 1 2 LARKIN STREET, & 428, MONTEREY, CA 93940

Mortgage

Document Number	0000075087
Date	Nov 03, 2021
Instrument	2021075087

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated August 6, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value
2026		$104,746 (+2%) Land $47,001 Building $57,745
2025	$1,541.00 (+10.47%)	$102,693 (+4.04%) Land $46,080 Building $56,613
2024	$1,395.00 (+16.06%)
2023	$1,202.00 (+1.35%)	$98,707 Land $44,292 Building $54,415
2022	$1,186.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monterey County (06053C), updated July 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 533 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Razzolink	Fixed Wireless (unlicensed)	500 / 250
AT&T	DSL	100 / 20

May also be available at this address: Verizon, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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