4646 E Montecito Ave, Fresno, CA 93702 Property Records

Fresno County property record for 4646 E Montecito Ave, Fresno, CA 93702

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1952
Lot Size	0.225 acres (9,796 sqft)
Owner	2 Individual Names on Record
Tax Bill	$841 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`470-161-11`

Property Details

APN / Parcel Number

Primary APN	`470-161-11`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	940 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	L-Shape
Construction Type	Frame
Lot Area	9,796 sqft (0.225 acres)
Lot Dimensions	124 ft deep x 79 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Evaporative

Location & Zoning

Street Address	4646 E MONTECITO AVE
City	FRESNO
State	CA
Zip	93702-3839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 18 WYATT TRACT NO 2
Legal Subdivision	02 WYATT
Legal Tract	2
Legal Lot Number	18
Jurisdiction	FRESNO CA
Township / Civil Division	FRESNO
Census Block Group	3
Census Block	3006
Census Tract	1301

Owner

Source: Fresno County records, as of August 13, 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 Record
Mailing Address	11128 E DAYTON AVE, SANGER, CA 93657-8844
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 14, 1997
Transfer Doc	0000063091
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Recording Date	May 18, 2026
Property Address	4646 E MONTECITO AVE, FRESNO, CA 93702-3839
Document Number	0000048593
Instrument Date	May 13, 2026
Instrument	202648593
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 E MONTECITO AVE, FRESNO, CA 93702-3839

Mortgage

Document Number	0000048593,
Date	May 18, 2026
Instrument	202648593

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	4646 E MONTECITO AVE, FRESNO, CA 93702-3839
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4646 E MONTECITO AVE, FRESNO, CA 93702-3839

Mortgage

Document Number	0000061738
Date	Apr 14, 2021
Instrument	2021-0061738

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: Fresno County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Fresno County
Municipality	Fresno City
Unified School District	Fresno Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$64,349 (+2%) Land $22,054 Building $42,295
2025	$841.00 (+5.92%)	$63,088 (+4.04%) Land $21,622 Building $41,466
2023	$794.00 (+1.28%)	$60,640 Land $20,784 Building $39,856
2022	$784.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 29, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	CITY OF FRESNO serves 545,970 people · EPA ID CA1010007
Water Source	Surface water
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 639 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Kingsburg Media Foundation Fixed Wireless	100 / 100
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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