450 Clay St, Monterey, CA 93940 Property Records

Monterey County property record for 450 Clay St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,664 sqft · built 1953
Lot Size	0.119 acres (5,200 sqft)
Owner	Company Name on Record
Last Sale	$880,000 (Sep 2017)
Tax Bill	$11,523 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-342-041-000`

Property Details

APN / Parcel Number

Primary APN	`001-342-041-000`
Alternative APN	`001-342-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,200 sqft (0.119 acres)
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	001-342-041
Street Address	450 CLAY ST
City	MONTEREY
State	CA
Zip	93940-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP OF MONTEREY HEIGHTS EAST 65 FT OF LOTS 1 X 2 EXC N 2 FT OF LOT 2 BLK 3
Legal Subdivision	MONTEREY HEIGHTS
Legal Block	3
Legal Lot Number	1,2
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	3
Census Block	3019
Census Tract	12700

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	450 CLAY ST, MONTEREY, CA 93940-2230
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC BAY LENDING GROUP
Feb 27, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 13, 2017	Grant Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2017 · Amount on Record
Deed Sale	Sep 13, 2017 · Amount on Record
Prior Sale	Jul 27, 2006
Deed Document Number	201749330
Last Transfer Date	Feb 20, 2018
Transfer Doc	0000008184
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	450 CLAY ST, MONTEREY, CA 93940-2230
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 CLAY ST, MONTEREY, CA 93940-2230

Mortgage

Document Number	0000033296
Date	Aug 5, 2022
Instrument	2022033296

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	450 CLAY ST, MONTEREY, CA 93940-2230
Transaction Type	Mortgage
Record Updated	Feb 24, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 CLAY ST, MONTEREY, CA 93940-2230

Mortgage

Document Number	0000007632
Date	Feb 14, 2022
Instrument	2022007632

Lender

Name	PACIFIC BAY LENDING GROUP
Type	Lending Institution
Address	GARDEN GROVE, CA 92841

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Feb 27, 2018
Property Address	450 CLAY ST, MONTEREY, CA 93940-2230
Document Number	0000008184
Instrument Date	Feb 20, 2018
Instrument	8184
Transaction Type	Transfer
Record Updated	Mar 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	19404 VINEYARD LN SARATOGA CA 950704548, SARATOGA, CA 95070-4548

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 13, 2017
Property Address	450 CLAY ST, MONTEREY, CA 93940-2230
Document Number	0000049330
Map Reference	VOL1 PG68
Instrument Date	Sep 7, 2017
Instrument	2017049330
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	13066 CUMBERLAND DR, SARATOGA, CA 95070-4414

Mortgage

Document Number	0000049331
Date	Sep 13, 2017
Instrument	2017049331

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value
2026		$1,021,310 (+2%) Land $754,378 Building $266,932
2025	$11,523.00 (+10.46%) Homeowner's exemption	$1,001,286 (+4.04%) Land $739,587 Building $261,699
2023	$10,432.00 (+1.41%) Homeowner's exemption	$962,407 Land $710,869 Building $251,538
2022	$10,287.00

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

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.

Wildfire

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Optimum.

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