Monterey County property record for 431 Central Ave, Pacific Grove, CA 93950
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 817 sqft · built 1930 |
| Lot Size | 0.041 acres (1,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $700,000 (Oct 2020) |
| Tax Bill | $8,281 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-194-001-000 |
| Primary APN | 006-194-001-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 817 sqft Living Area |
| 1st Floor Area | 817 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Construction Type | Frame |
| Lot Area | 1,800 sqft (0.041 acres) |
| Garage Area | 180 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 006-194-001 |
|---|---|
| Street Address | 431 CENTRAL AVE |
| City | PACIFIC GROVE |
| State | CA |
| Zip | 93950-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PACIFIC GROVE RETREAT LOT 1 BLK 30 |
| Legal Subdivision | PACIFIC GROVE RETREAT |
| Legal Block | 30 |
| Legal Lot Number | 1 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 12401 |
431 Central Ave is owned and occupied by two individuals who bought it in October 2020.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 CENTRAL AVE, PACIFIC GROVE, CA 93950-2824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Oct 28, 2020 | Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2020 · Amount on File |
| Deed Sale | Oct 28, 2020 · Amount on File |
| Deed Document Number | 202061648 |
| Prior Transfer Date | Nov 22, 2011 |
| Prior Transfer Doc | 0000042859 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 431 CENTRAL AVE, PACIFIC GROVE, CA 93950-2824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 431 CENTRAL AVE, PACIFIC GROVE, CA 93950-2824 |
| Document Number | 0000001106 |
|---|---|
| Date | Jan 7, 2022 |
| Instrument | 2022001106 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Oct 28, 2020 |
| Property Address | 431 CENTRAL AVE, PACIFIC GROVE, CA 93950-2824 |
| Document Number | 0000061648 |
| Map Reference | VOL 1 PG 50 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 2020061648 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 431 CENTRAL AVE, PACIFIC GROVE, CA 93950-2824 |
| Document Number | 0000061649 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 2020061649 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 431 Central Ave was $8,281 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Pacific Grove City |
| Unified School District | Pacific Grove Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $772,854 (+2%) Land $552,040 Building $220,814 | |
| 2025 | $8,281.00 Homeowner's exemption | $757,701 Land $541,216 Building $216,485 |
| 2023 | $8,057.00 (+2.06%) | $728,280 Land $520,200 Building $208,080 |
| 2022 | $7,894.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 431 Central Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 Policies | 2 in force |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Aug 1983 · tidal / storm surge |
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.
The area around 431 Central Ave 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 1,122 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks, Razzolink.
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