557 Union St, Monterey, CA 93940 Property Records

Monterey County property record for 557 Union St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,913 sqft · built 2009
Lot Size	0.109 acres (4,745 sqft)
Owner	2 Trust Names on File
Last Sale	$1,030,000 (Apr 2021)
Tax Bill	$7,899 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-521-025-000`

Property Details

APN / Parcel Number

Primary APN	`001-521-025-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,913 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	4,745 sqft (0.109 acres)
Garage Area	499 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	557 UNION ST
City	MONTEREY
State	CA
Zip	93940-2622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 22 PAR MAPS PG. 21 PAR B
Legal Block	1
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1004
Census Tract	12700

Owner

557 Union St is owner-occupied and held in a trust since April 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	557 UNION ST, MONTEREY, CA 93940-2622
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Apr 13, 2021	Grant Deed, Transfer · Conventional Mortgage PRIMELENDING
Oct 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2021 · Amount on File
Deed Sale	Apr 13, 2021 · Amount on File
Prior Sale	Jan 27, 2014 · Amount on File
Deed Document Number	202126644
Prior Transfer Date	Oct 5, 2020
Prior Transfer Doc	0000056442
Record Updated	Oct 29, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 13, 2021
Property Address	557 UNION ST, MONTEREY, CA 93940-2622
Document Number	0000026644
Map Reference	VOL 22 PG 21
Instrument Date	Apr 9, 2021
Instrument	2021026644
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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	557 UNION ST, MONTEREY, CA 93940-2622

Mortgage

Document Number	0000026645
Date	Apr 13, 2021
Instrument	2021026645

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Oct 14, 2020
Property Address	557 UNION ST, MONTEREY, CA 93940-2622
Document Number	0000056442
Map Reference	VOL 22 PG 21
Instrument Date	Oct 5, 2020
Instrument	2020056442
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	557 UNION ST, MONTEREY, CA 93940-2622

Mortgage

Document Number	0000056443
Date	Oct 14, 2020
Instrument	2020056443

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 557 Union St was $7,899, up 8.2% from the year before.

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		$687,912 (+2%) Land $367,332 Building $320,580
2025	$7,899.00 (+8.21%)	$674,425 Land $360,130 Building $314,295
2024	$7,300.00 (+4.55%)
2023	$6,982.00 (+1.42%) Homeowner's exemption	$648,239 Land $346,147 Building $302,092
2022	$6,884.00

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

Flood

FEMA maps place 557 Union St in Zone X, an area of minimal flood risk.

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

The area around 557 Union 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.

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.

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