450 Central Ave, Pacific Grove, CA 93950 Property Records

Monterey County property record for 450 Central Ave, Pacific Grove, CA 93950

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,621 sqft · built 1900
Lot Size	0.098 acres (4,275 sqft)
Owner	Trust Name on File
Tax Bill	$11,351 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`006-184-009-000`

Property Details

APN / Parcel Number

Primary APN	`006-184-009-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,621 sqft Living Area
1st Floor Area	1,621 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1915
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,275 sqft (0.098 acres)
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	450 CENTRAL AVE
City	PACIFIC GROVE
State	CA
Zip	93950-2827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PACIFIC GROVE RETREAT LOT 27 & 28 BLK 34 & S 12 FT OF LOT 25 BLK 34
Legal Subdivision	PACIFIC GROVE RETREAT
Legal Block	34
Legal Lot Number	27
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2006
Census Tract	12401

Owner

450 Central Ave is owner-occupied and held in a trust.

Source: Monterey County records, as of August 6, 2026

Owner of Record	Trust Name on File
Mailing Address	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 9, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE INS CO
Nov 23, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Feb 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOAN STORE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 9, 2021
Property Address	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827
Document Number	0000017387
Map Reference	VOL 1 PG 49
Instrument Date	Dec 30, 2020
Instrument	2021017387
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827

Mortgage

Document Number	0000017388
Date	Mar 9, 2021
Instrument	2021017388

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 9, 2021
Property Address	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827
Document Number	0000017389
Map Reference	VOL 1 PG 49
Instrument Date	Dec 21, 2020
Instrument	2021017389
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE INS CO

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	Revocable Trust
Address	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827

November 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTEREY CA
Recording Date	Nov 23, 2020
Property Address	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827
Document Number	0000068923
Instrument Date	Nov 6, 2020
Instrument	68923
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	450 CENTRAL AVE PACIFIC GROVE CA 939502827, PACIFIC GROVE, CA 93950-2827

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	450 CENTRAL AVE, PACIFIC GROVE, CA 93950-2827
Document Number	0000023313
Instrument Date	Feb 29, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	450 CENTRAL AVE PACIFIC GROVE CA 939502827, PACIFIC GROVE, CA 93950-2827

Mortgage

Document Number	0000023313
Date	May 15, 2020
Instrument	23313

Lender

Name	LOAN STORE
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 14, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 450 Central Ave was $11,351 with a homeowner's exemption.

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Pacific Grove City
Unified School District	Pacific Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,060,089 (+2%) Land $363,273 Building $696,816
2025	$11,351.00 Homeowner's exemption	$1,039,303 Land $356,150 Building $683,153
2023	$10,967.00 (+2.08%) Homeowner's exemption	$998,947 Land $342,321 Building $656,626
2022	$10,744.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 450 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.

Wildfire

The area around 450 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.

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 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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