543 Spruce Ave, Pacific Grove, CA 93950 Property Records

Monterey County property record for 543 Spruce Ave, Pacific Grove, CA 93950

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,782 sqft · built 1893
Lot Size	0.087 acres (3,800 sqft)
Owner	2 Individual Names on File
Last Sale	$2,000,000 (Jul 2025)
Tax Bill	$19,342 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`006-486-002-000`

Property Details

APN / Parcel Number

Primary APN	`006-486-002-000`
Alternative APN	`006-486-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,782 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1919
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,800 sqft (0.087 acres)
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	006-486-002
Street Address	543 SPRUCE AVE
City	PACIFIC GROVE
State	CA
Zip	93950-4324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PACIFIC GROVE ADD 3 LOTS 2 & 4 BLK 115
Legal Subdivision	PACIFIC GROVE ADD 3
Legal Block	115
Legal Lot Number	2,4
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1027
Census Tract	12200

Owner

543 Spruce Ave is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Sep 8, 2023	Grant Deed, Transfer ACCOMODATION, ACCOMMODATION
Aug 24, 2022	Deed of Trust, Mortgage · Commercial Mortgage JJAZ HOLDINGS LLC
Aug 24, 2022	Grant Deed, Transfer · Commercial Mortgage PRIVATE MORTGAGE FUND LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2025 · Amount on File
Deed Sale	Jul 25, 2025 · Amount on File
Prior Sale	Aug 24, 2022 · Amount on File
Deed Document Number	202524297
Prior Transfer Date	Nov 22, 2010
Prior Transfer Doc	0000072773
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324
Transaction Type	Mortgage
Record Updated	Oct 10, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324

Mortgage

Document Number	0000030061
Date	Sep 28, 2023
Instrument	2023030061

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324
Transaction Type	Mortgage
Record Updated	Oct 10, 2023
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324

Mortgage

Document Number	0000030062
Date	Sep 28, 2023
Instrument	2023030062

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 8, 2023
Property Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324
Document Number	0000028012
Map Reference	VOL 1 PG 10
Instrument Date	Sep 7, 2023
Instrument	2023028012
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W FALLBROOK AVE 101, 101, FRESNO, CA 93711-5834

Mortgage

Document Number	0000035315
Date	Aug 24, 2022
Instrument	2022035315

Lender

Name	JJAZ HOLDINGS LLC
Type	Non-Lending Institution
Address	GARDENA, CA 90248

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 24, 2022
Property Address	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324
Document Number	0000035313
Map Reference	VOL 1 PG 10
Instrument Date	Aug 15, 2022
Instrument	2022035313
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	543 SPRUCE AVE, PACIFIC GROVE, CA 93950-4324

Mortgage

Document Number	0000035314
Date	Aug 24, 2022
Instrument	2022035314

Lender

Name	PRIVATE MORTGAGE FUND LLC
Type	Mortgage Company
Address	CALABASAS, CA 91302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Sep 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 543 Spruce Ave was $19,342, up 5.1% from the year before.

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Pacific Grove City
Unified School District	Pacific Grove Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,000,000 (+13.08%) Land $1,400,000 Building $600,000
2025	$19,342.00 (+5.07%) Homeowner's exemption	$1,768,680 Land $884,340 Building $884,340
2024	$18,408.00 (-1.48%)
2023	$18,685.00 (+211.21%)	$1,700,000 Land $850,000 Building $850,000
2022	$6,004.00

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

Flood

FEMA maps place 543 Spruce Ave 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.

Wildfire

The area around 543 Spruce Ave 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 1,122 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Razzolink.

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