Monterey County property record for 521 Terraza St, Soledad, CA 93960
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,968 sqft · built 1995 |
| Lot Size | 0.139 acres (6,066 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $423,000 (Feb 2020) |
| Tax Bill | $5,909 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-304-018-000 |
| Primary APN | 022-304-018-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 20 Rooms |
| Stories | 1 Story |
| Building Area | 1,968 sqft Living Area |
| 1st Floor Area | 1,968 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,066 sqft (0.139 acres) |
| Garage Area | 449 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|
| Old Parcel Number | 022-304-018 |
|---|---|
| Street Address | 521 TERRAZA ST |
| City | SOLEDAD |
| State | CA |
| Zip | 93960-3136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LA CUESTA VIEWS SUBD UNITS NO 4 & 5 VOL 18 PG 33 TRACT NO 1208 LOT 39 |
| Legal Subdivision | LA CUESTA VIEWS SUBD UNITS NO 4 & 5 |
| Legal Tract | 1208 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SOLEDAD |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 11106 |
521 Terraza St is owned and occupied by two individuals who bought it in February 2020.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 TERRAZA ST, SOLEDAD, CA 93960-3136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Feb 26, 2020 | Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Feb 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2020 · Amount on File |
| Deed Sale | Feb 26, 2020 · Amount on File |
| Prior Sale | Dec 9, 2010 · Amount on File |
| Deed Document Number | 20209661 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 521 TERRAZA ST, SOLEDAD, CA 93960-3136 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 521 TERRAZA ST, SOLEDAD, CA 93960-3136 |
| Document Number | 0000085206 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 2021085206 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Feb 26, 2020 |
| Property Address | 521 TERRAZA ST, SOLEDAD, CA 93960-3136 |
| Document Number | 0000009661 |
| Map Reference | VOL 18 PG 33 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 2020009661 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 521 TERRAZA ST, SOLEDAD, CA 93960-3136 |
| Document Number | 0000009664 |
|---|---|
| Date | Feb 26, 2020 |
| Instrument | 2020009664 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 521 TERRAZA ST, SOLEDAD, CA 93960-3136 |
| Document Number | 0000008102 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2019 |
| Title Company | BNT TITLE COMPANY/CA, BNT TITLE CO/CA |
| Name | Verified Name |
|---|---|
| Address | 521 TERRAZA ST SOLEDAD CA 939603136, SOLEDAD, CA 93960-3136 |
| Document Number | 0000008102 |
|---|---|
| Date | Mar 1, 2019 |
| Instrument | 8102 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 28, 2049 |
The 2025 property tax bill for 521 Terraza St was $5,909 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Soledad City |
| Unified School District | Soledad Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $531,287 (+14.85%) Land $223,101 Building $308,186 | |
| 2025 | $5,909.00 Homeowner's exemption | $462,609 Land $218,727 Building $243,882 |
| 2023 | $5,184.00 (-1.39%) Homeowner's exemption | $444,647 Land $210,235 Building $234,412 |
| 2022 | $5,257.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 521 Terraza 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 |
| Community Rating System | Class 7 (15% premium discount) |
| 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.
Wildfire risk around 521 Terraza St is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · lower than 62% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | CITY OF SOLEDAD serves 19,732 people · EPA ID CA2710011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2024–2026) 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 462 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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