538 Watson St, Monterey, CA 93940 Property Records

Monterey County property record for 538 Watson St, Monterey, CA 93940

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,781 sqft · built 1915
Lot Size	0.232 acres (10,100 sqft)
Owner	2 Company Names on Record
Last Sale	$2,005,000 (Apr 2023)
Tax Bill	$23,930 (2025)
Deeds & Mortgages	Apr 2023 Transfer Apr 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`001-403-005-000`

Property Details

APN / Parcel Number

Primary APN	`001-403-005-000`
Alternative APN	`001-403-005`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	2,781 sqft Living Area
1st Floor Area	323 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	10,100 sqft (0.232 acres)
Garage Area	238 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	001-403-005
Street Address	538 WATSON ST
City	MONTEREY
State	CA
Zip	93940-2212
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SEVERANCE MAP LOT 2, A3 BLK 119
Legal Subdivision	SEVERANCE
Legal Block	119
Legal Lot Number	2
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	4
Census Block	4007
Census Tract	12700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	538 WATSON ST, MONTEREY, CA 93940-2212
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Apr 5, 2023	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
Jan 25, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 10, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 21, 2018	Deed of Trust, Mortgage BANK OF THE WEST
Jul 2, 2018	Quit Claim Deed, Transfer Quitclaim
Mar 16, 2018	Trustee's Deed, Foreclosure USA NATIONAL TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2023 · Amount on Record
Deed Sale	Apr 5, 2023 · Amount on Record
Prior Sale	Sep 10, 2018 · Amount on Record
Deed Document Number	20239986
Prior Transfer Date	Jun 20, 2018
Prior Transfer Doc	0000029078
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Apr 5, 2023
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Document Number	0000009985
Map Reference	MB 1 PG 68
Instrument Date	Apr 3, 2023
Instrument	2023009985
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC 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	Revocable Trust
Address	2511 W ARDMORE PL, WEST PEORIA, IL 61604-5037

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 5, 2023
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Document Number	0000009986
Map Reference	MB 1 PG 68
Instrument Date	Mar 30, 2023
Instrument	2023009986
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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	538 WATSON ST, MONTEREY, CA 93940-2212

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003155
Date	Jan 25, 2019
Instrument	2019003155

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 15, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 10, 2018
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Document Number	0000039801
Map Reference	MB 1 PG68
Instrument Date	Sep 4, 2018
Instrument	2018039801
Transaction Type	Transfer
Record Updated	Aug 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	538 WATSON ST, MONTEREY, CA 93940-2212

Mortgage

Document Number	0000039802
Date	Sep 10, 2018
Instrument	2018039802

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Document Number	0000028542
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 90278, 100, REDONDO BEACH, CA 90278

Mortgage

Document Number	0000028542
Date	Jun 28, 2018
Instrument	28542

Lender

Name	BANK OF THE WEST
Type	Bank
Address	SAN RAMON, CA 94583

Agreement

Amount	Amount Recorded

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 2, 2018
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Document Number	0000029078
Instrument Date	Jun 20, 2018
Instrument	29078
Transaction Type	Transfer
Record Updated	Jul 10, 2018

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2015 MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 902781230, 100, REDONDO BEACH, CA 90278-1230

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 16, 2018
Property Address	538 WATSON ST, MONTEREY, CA 93940-2212
Document Number	0000011241
Instrument Date	Mar 5, 2018
Instrument	11241
Transaction Type	Foreclosure
Record Updated	Mar 27, 2018
Title Company	USA NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$860.20
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2015 MANHATTAN BEACH BLVD #100 REDONDO BEACH CA 902781230, 100, REDONDO BEACH, CA 90278-1230

Tax Assessment & Valuation

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		$2,127,721 (+2%) Land $955,087 Building $1,172,634
2025	$23,930.00 (+83.08%) Homeowner's exemption	$2,086,002 (+73.79%) Land $936,360 Building $1,149,642
2023	$13,071.00 (+1.4%)	$1,200,270 Land $482,490 Building $717,780
2022	$12,890.00

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

Flood

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

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.

Nearby Properties on Watson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures