575 Oak St, Monterey, CA 93940 Property Records

Monterey County property record for 575 Oak St, Monterey, CA 93940

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,418 sqft · built 1972
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$650,000 (Nov 2015)
Tax Bill	$10,396 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2017 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`001-141-002-000`

Property Details

APN / Parcel Number

Primary APN	`001-141-002-000`
Alternative APN	`001-141-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,418 sqft Living Area
1st Floor Area	914 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Central

Location & Zoning

Old Parcel Number	001-141-002
Street Address	575 OAK ST
City	MONTEREY
State	CA
Zip	93940-1320
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	WITHERS ADD TO MONTEREY LOT 6, 8 BLK 4
Legal Subdivision	WITHERS ADD TO MONTEREY
Legal Block	4
Legal Lot Number	6,8
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1031
Census Tract	12503

Owner

575 Oak St, a duplex, is owned and occupied by an individual who bought it in November 2015.

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

Owner of Record	Individual Name on File
Mailing Address	575 OAK ST, MONTEREY, CA 93940-1320
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jun 26, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jan 31, 2019	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
May 6, 2020	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2015 · Amount on File
Deed Sale	Nov 23, 2015 · Amount on File
Deed Document Number	201566889
Prior Transfer Date	Jun 17, 2009
Prior Transfer Doc	0000039102
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	575 OAK ST, MONTEREY, CA 93940-1320
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 OAK ST, MONTEREY, CA 93940-1320

Mortgage

Document Number	0000024501
Date	Apr 5, 2021
Instrument	2021024501

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	575 OAK ST, MONTEREY, CA 93940-1320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042651
Date	Aug 10, 2017
Instrument	2017042651

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	575 OAK ST, MONTEREY, CA 93940-1320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027986
Date	Jun 26, 2018
Instrument	2018027986

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 16, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	575 OAK ST, MONTEREY, CA 93940-1320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003823
Date	Jan 31, 2019
Instrument	2019003823

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	575 OAK ST, MONTEREY, CA 93940-1320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021767
Date	May 6, 2020
Instrument	2020021767

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	575 OAK ST, MONTEREY, CA 93940-1320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SALINA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009776
Date	Feb 27, 2020
Instrument	2020009776

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 575 Oak St was $10,396 with a homeowner's exemption.

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		$910,012 (+2%) Land $482,986 Building $427,026
2025	$10,396.00 Homeowner's exemption	$892,169 Land $473,516 Building $418,653
2023	$9,313.00 (+1.4%) Homeowner's exemption	$857,528 Land $455,130 Building $402,398
2022	$9,184.00

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

Flood

FEMA maps place 575 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.

Wildfire

The area around 575 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.

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 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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