490 Monroe St, Monterey, CA 93940 Property Records

Monterey County property record for 490 Monroe St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,047 sqft · built 1925
Lot Size	0.096 acres (4,200 sqft)
Owner	Trust Name on File
Last Sale	$1,295,000 (May 2022)
Tax Bill	$15,922 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2022 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`001-391-013-000`

Property Details

APN / Parcel Number

Primary APN	`001-391-013-000`
Alternative APN	`001-391-013`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,047 sqft Living Area
1st Floor Area	2,047 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	4,200 sqft (0.096 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-391-013
Street Address	490 MONROE ST
City	MONTEREY
State	CA
Zip	93940-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEVERANCE MAP MACK SUBD NLY 16 FT OF LOT 6 & SLY 14 FT OF LOT 7 BLK 69
Legal Subdivision	SEVERANCE
Legal Block	69
Legal Lot Number	6,7
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	4
Census Block	4002
Census Tract	12700

Owner

490 Monroe St is held in a trust since May 2022.

Source: Monterey County records, as of October 13, 2026

Owner of Record	Trust Name on File
Mailing Address	PO BOX 221849, CARMEL, CA 93922-1849
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
Apr 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
May 9, 2022	Grant Deed, Transfer CHICAGO TITLE COMPANY
Jul 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MASON MCDUFFIE MORTGAGE CORP
Jul 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 13, 2018	Quit Claim Deed, Transfer OTHER
Apr 27, 2018	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2022 · Amount on File
Deed Sale	May 9, 2022 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	202221843
Prior Transfer Date	Sep 28, 2009
Prior Transfer Doc	0000062320
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	490 MONROE ST, MONTEREY, CA 93940-2207
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 221849, CARMEL, CA 93922-1849

Mortgage

Document Number	0000009724
Date	Apr 3, 2023
Instrument	2023009724

Lender

Name	FREMONT BANK
Type	Bank
Address	94451

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.25%
Max Rate At Change	12.5%
Index	Other
Max Rate	12.5%

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 9, 2022
Property Address	490 MONROE ST, MONTEREY, CA 93940-2207
Document Number	0000021843
Instrument Date	Apr 26, 2022
Instrument	2022021843
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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
Address	490 MONROE ST, MONTEREY, CA 93940-2207

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jul 10, 2020
Property Address	490 MONROE ST, MONTEREY, CA 93940-2207
Document Number	0000033439
Instrument Date	Jul 2, 2020
Instrument	2020033439
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	PO BOX 405, CARMEL VALLEY, CA 93924-0405

Mortgage

Document Number	0000033440
Date	Jul 10, 2020
Instrument	2020033440

Lender

Name	MASON MCDUFFIE MORTGAGE CORP
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 13, 2020
Property Address	490 MONROE ST, MONTEREY, CA 93940-2207
Document Number	0000033896
Instrument Date	Jul 2, 2020
Instrument	33896
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

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	PO BOX 405 CARMEL VALLEY CA 939240405, CARMEL VALLEY, CA 93924-0405

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 13, 2018
Property Address	490 MONROE ST, MONTEREY, CA 93940-2207
Document Number	0000056408
Instrument Date	Dec 12, 2018
Instrument	56408
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 405 CARMEL VALLEY CA 939240405, CARMEL VALLEY, CA 93924-0405

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 27, 2018
Property Address	490 MONROE ST, MONTEREY, CA 93940-2207
Document Number	0000018119
Instrument Date	Apr 19, 2018
Instrument	18119
Transaction Type	Transfer
Record Updated	May 9, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$929.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	392 BAROLO CIR GREENFIELD CA 939275362, GREENFIELD, CA 93927-5362

Mortgage

Document Number	18120
Date	Apr 27, 2018
Instrument	18120

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 490 Monroe St was $15,922.

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		$1,401,747 (+2%) Land $649,458 Building $752,289
2025	$15,922.00	$1,374,263 Land $636,724 Building $737,539
2023	$14,381.00 (+38.45%)	$1,320,900 Land $612,000 Building $708,900
2022	$10,387.00

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

Flood

FEMA maps place 490 Monroe St in Zone X, an area of minimal flood risk.

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

The area around 490 Monroe St 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 533 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

May also be available: GeoLinks, Verizon.

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