Monterey County property record for 514 Oak St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,713 sqft · built 1972 |
| Lot Size | 0.134 acres (5,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,000 (Oct 2003) |
| Tax Bill | $10,041 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-115-021-000 |
| Primary APN | 001-115-021-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,713 sqft Living Area |
| 1st Floor Area | 1,713 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Bungalow |
| Construction Type | Frame |
| Lot Area | 5,850 sqft (0.134 acres) |
| Garage Area | 489 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 001-115-021 |
|---|---|
| Street Address | 514 OAK ST |
| City | MONTEREY |
| State | CA |
| Zip | 93940-1321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LITTLES NEW MONTEREY LOT 14 BLK 10 EXC POR DEEDED FOR ST |
| Legal Subdivision | LITTLES NEW MONTEREY |
| Legal Block | 10 |
| Legal Lot Number | 14 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 12503 |
514 Oak St is owned and occupied by two individuals who acquired it in January 2006.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 514 OAK ST, MONTEREY, CA 93940-1321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| May 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2003 · Amount on File |
| Deed Sale | Oct 6, 2003 · Amount on File |
| Deed Document Number | 2003121537 |
| Last Transfer Date | Jan 20, 2006 |
| Transfer Doc | 0000009542 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 514 OAK ST, MONTEREY, CA 93940-1321 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 514 OAK ST, MONTEREY, CA 93940-1321 |
| Document Number | 0000070527 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 2020070527 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 514 OAK ST, MONTEREY, CA 93940-1321 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE SALINAS |
| Name | Verified Name |
|---|
| Document Number | 0000023657 |
|---|---|
| Date | May 3, 2017 |
| Instrument | 2017023657 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 514 Oak St was $10,041 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Monterey City |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $887,892 (+2%) Land $507,570 Building $380,322 | |
| 2025 | $10,041.00 Homeowner's exemption | $870,483 Land $497,618 Building $372,865 |
| 2023 | $9,073.00 (+1.41%) Homeowner's exemption | $836,683 Land $478,296 Building $358,387 |
| 2022 | $8,947.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 514 Oak St 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.
The area around 514 Oak 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 763 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 |
| Razzolink Fixed Wireless | 500 / 250 |
May also be available: GeoLinks, Optimum, T-Mobile, Verizon.
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