451 Spruce Ave, Pacific Grove, CA 93950 Property Records

Monterey County property record for 451 Spruce Ave, Pacific Grove, CA 93950

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,307 sqft · built 1915
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Company Names on File
Last Sale	$815,000 (Jun 2020)
Tax Bill	$9,806 (2025)
Deeds & Mortgages	Sep 2022 Transfer Sep 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`006-498-001-000`

Property Details

APN / Parcel Number

Primary APN	`006-498-001-000`
Alternative APN	`006-498-001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,307 sqft Living Area
1st Floor Area	1,307 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	3,600 sqft (0.083 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	451 SPRUCE AVE
City	PACIFIC GROVE
State	CA
Zip	93950-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PACIFIC GROVE ADD 3 LOT 1 & 3 BLK 125
Legal Subdivision	PACIFIC GROVE ADD 3
Legal Block	125
Legal Lot Number	1,3
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1046
Census Tract	12200

Owner

451 Spruce Ave is owned by a company that acquired it in February 2025.

Source: Monterey County records, as of August 26, 2026

Owner of Record	2 Company Names on File
Mailing Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424
Owner Type	Company
Vesting	Life Tenant

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
Sep 26, 2022	Intrafamily Transfer, Transfer
Sep 26, 2022	Intrafamily Transfer, Transfer
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Sep 21, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jun 9, 2020	Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2020 · Amount on File
Deed Sale	Jun 9, 2020 · Amount on File
Deed Document Number	202027387
Last Transfer Date	Feb 13, 2025
Transfer Doc	0000005765
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Sep 26, 2022
Property Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424
Document Number	0000039530
Map Reference	VOL 1 PG 10
Instrument Date	Aug 3, 2022
Instrument	2022039530
Transaction Type	Transfer
Record Updated	Oct 6, 2022

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	Community Property
Address	45 I SPRUCE AVENUE, PACIFIC GROVE, CA 93950

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Sep 26, 2022
Property Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424
Document Number	0000039531
Map Reference	VOL 1 PG 10
Instrument Date	Aug 3, 2022
Instrument	2022039531
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424

Mortgage

Document Number	0000014402
Date	Feb 25, 2021
Instrument	2021014402

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424

Mortgage

Document Number	0000049534
Date	Sep 21, 2020
Instrument	2020049534

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 7, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 9, 2020
Property Address	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424
Document Number	0000027387
Map Reference	VOL 1 PG 10
Instrument Date	Jun 6, 2020
Instrument	2020027387
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
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	451 SPRUCE AVE, PACIFIC GROVE, CA 93950-4424

Mortgage

Document Number	0000027388
Date	Jun 9, 2020
Instrument	2020027388

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 451 Spruce Ave was $9,806, up 5.1% from the year before.

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		$909,142 (+2%) Land $686,041 Building $223,101
2025	$9,806.00 (+5.06%)	$891,317 Land $672,590 Building $218,727
2024	$9,334.00 (-1.36%)
2023	$9,463.00 (+2.06%)	$856,708 Land $646,473 Building $210,235
2022	$9,272.00

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

Flood

FEMA maps place 451 Spruce Ave in Zone X, an area of minimal flood risk.

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	1 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

The area around 451 Spruce 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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