Monterey County property record for 454 Cedar St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,844 sqft · built 1926 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,200,000 (Jun 2021) |
| Tax Bill | $3,929 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-252-010-000 |
| Primary APN | 001-252-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,844 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 9,600 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Street Address | 454 CEDAR ST |
|---|---|
| City | MONTEREY |
| State | CA |
| Zip | 93940-2166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTEREY HEIGHTS LOT 1 & 2 BLK 16 |
| Legal Subdivision | MONTEREY HEIGHTS |
| Legal Block | 16 |
| Legal Lot Number | 1,2 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 12700 |
Source: Monterey County records · APN 001-252-010-000
Assessment roll updated August 6, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 03, 2026 | Deed of Trust, Mortgage · Line of Credit BAY FEDERAL CREDIT UNION |
| Jun 21, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 01, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Dec 03, 2020 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Jun 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2021 · Amount on Record |
| Deed Sale | Jun 21, 2021 · Amount on Record |
| Prior Sale | Sep 04, 2009 · Amount on Record |
| Deed Document Number | 202142918 |
| Transfer Doc | 0000071383 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 03, 2026 |
| Property Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Document Number | 0000018934 |
| Instrument Date | May 29, 2026 |
| Instrument | 202618934 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Document Number | 0000018934, |
|---|---|
| Date | Jun 03, 2026 |
| Instrument | 202618934 |
| Name | BAY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 15, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 21, 2021 |
| Property Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Document Number | 0000042918 |
| Map Reference | VOL 1 PG 68 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021042918 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Document Number | 0000042919 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 2021042919 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017164 |
|---|---|
| Date | May 01, 2019 |
| Instrument | 2019017164 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2049 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Dec 03, 2020 |
| Property Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Document Number | 0000071383 |
| Instrument Date | Dec 01, 2020 |
| Instrument | 71383 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 454 CEDAR ST MONTEREY CA 939402166, MONTEREY, CA 93940-2166 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 12, 2017 |
| Property Address | 454 CEDAR ST, MONTEREY, CA 93940-2166 |
| Document Number | 0000031009 |
| Instrument Date | May 17, 2017 |
| Instrument | 31009 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 454 CEDAR ST MONTEREY CA 939402166, MONTEREY, CA 93940-2166 |
Source: Monterey County records · Assessment roll updated August 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Monterey City |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $337,620 (+2%) Land $202,980 Building $134,640 | |
| 2025 | $3,929.00 (+19.28%) Homeowner's exemption | $331,000 (+11.07%) Land $199,000 Building $132,000 |
| 2023 | $3,294.00 (-24.36%) Homeowner's exemption | $298,000 Land $179,000 Building $119,000 |
| 2022 | $4,355.00 |
Source: FEMA National Flood Hazard Layer as of July 15, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 Communications.
Based on FCC filings for 310 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CAL AM WATER COMPANY - MONTEREY private · serves 128,928 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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