499 Cortes St, Monterey, CA 93940 Property Records

Monterey County property record for 499 Cortes St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,170 sqft · built 1930
Lot Size	0.76 acres (3,321 sqft)
Owner	Individual Name on File
Last Sale	$446,500 (Sep 2003)
Tax Bill	$7,443 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Jan 2022 Construction Loan + 4 more
Flood Zone	Zone X (moderate risk)
APN	`001-714-003-000`

Property Details

APN / Parcel Number

Primary APN	`001-714-003-000`
Alternative APN	`001-714-003`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	3,321 sqft (0.76 acres)
Garage Area	180 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-714-003
Street Address	499 CORTES ST
City	MONTEREY
State	CA
Zip	93940-3034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEVERANCE BLK BK OF MONTEREY PG 28B LOT 3 BLK I
Legal Subdivision	SEVERANCE
Legal Block	I
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2047
Census Tract	12700

Owner

499 Cortes St is owned and occupied by an individual who acquired it in June 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	499 CORTES ST, MONTEREY, CA 93940-3034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 28, 2022	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Jan 18, 2018	Deed of Trust, Mortgage · VA Mortgage GRIFFIN FUNDING INC
Dec 9, 2019	Deed of Trust, Mortgage · VA Mortgage GRIFFIN FUNDING INC
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage GRIFFIN FUNDING INC
Jun 21, 2017	Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2003 · Amount on File
Deed Sale	Sep 2, 2003 · Amount on File
Deed Document Number	2003106307
Last Transfer Date	Jun 5, 2017
Transfer Doc	0000032942
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	499 CORTES ST, MONTEREY, CA 93940-3034
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 CORTES ST, MONTEREY, CA 93940-3034

Mortgage

Document Number	0000003427
Date	Feb 7, 2023
Instrument	2023003427

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	236 Months
Due	Oct 1, 2042

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	499 CORTES ST, MONTEREY, CA 93940-3034
Transaction Type	Mortgage
Record Updated	Feb 15, 2022
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 CORTES ST, MONTEREY, CA 93940-3034

Mortgage

Document Number	0000004605
Date	Jan 28, 2022
Instrument	2022004605

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2052

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	499 CORTES ST, MONTEREY, CA 93940-3034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001922
Date	Jan 18, 2018
Instrument	2018001922

Lender

Name	GRIFFIN FUNDING INC
Type	Mortgage Company
Address	VENTURA, CA 93003

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	499 CORTES ST, MONTEREY, CA 93940-3034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058270
Date	Dec 9, 2019
Instrument	2019058270

Lender

Name	GRIFFIN FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92101

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	499 CORTES ST, MONTEREY, CA 93940-3034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 CORTES ST, MONTEREY, CA 93940-3034

Mortgage

Document Number	0000051706
Date	Sep 29, 2020
Instrument	2020051706

Lender

Name	GRIFFIN FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92101

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 21, 2017
Property Address	499 CORTES ST, MONTEREY, CA 93940-3034
Document Number	0000032942
Instrument Date	Jun 5, 2017
Instrument	32942
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	PREMIUM TITLE/CA INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	499 CORTES ST MONTEREY CA 939403034, MONTEREY, CA 93940-3034

Mortgage

Document Number	32943
Date	Jun 21, 2017
Instrument	32943

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 499 Cortes St was $7,443.

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		$646,806 (+2%) Land $435,075 Building $211,731
2025	$7,443.00	$634,125 Land $426,545 Building $207,580
2023	$6,762.00 (+1.38%)	$609,503 Land $409,983 Building $199,520
2022	$6,670.00

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

Flood

FEMA maps place 499 Cortes St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1998–2022)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jan 2022 · tidal / storm surge

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

Wildfire risk around 499 Cortes St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Astound Broadband, GeoLinks, Verizon.

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