45 Castro Rd, Monterey, CA 93940 Property Records

Monterey County property record for 45 Castro Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,217 sqft · built 1999
Lot Size	0.631 acres (27,492 sqft)
Owner	2 Trust Names on File
Tax Bill	$13,238 (2025)
Deeds & Mortgages	Nov 2020 Transfer Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-871-018-000`

Property Details

APN / Parcel Number

Primary APN	`001-871-018-000`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	17 Rooms
Stories	2 Stories
Building Area	4,217 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Construction Type	Wood
Lot Area	27,492 sqft (0.631 acres)
Garage Type	Detached
Garage Area	835 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	45 CASTRO RD
City	MONTEREY
State	CA
Zip	93940-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSRS MAP DEL MONTE FAIRWAYS LOT 45
Legal Subdivision	DEL MONTE FAIRWAYS
Legal Lot Number	45
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2013
Census Tract	13200

Owner

Source: Monterey County assessment roll, as of July 1, 2025

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

Owner of Record	2 Trust Names on File
Co-owner	Verified Secondary Owner
Mailing Address	45 CASTRO RD, MONTEREY, CA 93940-4931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Nov 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 2, 2020	Loan Modification, Mortgage · Line of Credit BANK OF AMERICA
Dec 3, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Prior Sale	Nov 24, 2020
Record Updated	Jun 8, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 24, 2020
Property Address	45 CASTRO RD, MONTEREY, CA 93940-4931
Document Number	0000069231
Instrument Date	Nov 18, 2020
Instrument	69231
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	45 CASTRO RD MONTEREY CA 939404931, MONTEREY, CA 93940-4931

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Nov 24, 2020
Property Address	45 CASTRO RD, MONTEREY, CA 93940-4931
Document Number	0000069229
Instrument Date	Nov 18, 2020
Instrument	2020069229
Transaction Type	Transfer
Record Updated	Aug 19, 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
Relationship	Family Living Trust
Address	45 CASTRO RD, MONTEREY, CA 93940-4931

Mortgage

Document Number	0000069230
Date	Nov 24, 2020
Instrument	2020069230

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONTEREY CA
Property Address	45 CASTRO RD, MONTEREY, CA 93940-4931
Document Number	0000069233
Instrument Date	Nov 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CASTRO RD MONTEREY CA 939404931, MONTEREY, CA 93940-4931

Mortgage

Document Number	0000069233
Date	Nov 24, 2020
Instrument	69233

Lender

Name	BANK OF AMERICA
Type	Bank
Address	GREENSBORO, NC 27410

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	45 CASTRO RD, MONTEREY, CA 93940-4931
Document Number	0000056097
Instrument Date	Dec 3, 2018
Transaction Type	Mortgage
Record Updated	Dec 28, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	45 CASTRO RD MONTEREY CA 939404931, MONTEREY, CA 93940-4931

Mortgage

Document Number	0000056097
Date	Dec 12, 2018
Instrument	56097

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	45 CASTRO RD, MONTEREY, CA 93940-4931
Document Number	0000056297
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	45 CASTRO RD MONTEREY CA 939404931, MONTEREY, CA 93940-4931

Mortgage

Document Number	0000056297
Date	Oct 10, 2017
Instrument	56297

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

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
2025	$13,238.00 (+9%) Homeowner's exemption	$1,152,685 (+4.04%) Land $397,998 Building $754,687
2023	$12,145.00 (+1.39%) Homeowner's exemption	$1,107,928 Land $382,545 Building $725,383
2022	$11,978.00

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 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force

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	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, California Internet, T-Mobile USA.

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