610 Larkin St, Monterey, CA 93940 Property Records

Monterey County property record for 610 Larkin St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 660 sqft · built 1926
Lot Size	0.088 acres (3,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Jul 2010)
Tax Bill	$4,990 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-412-002-000`

Property Details

APN / Parcel Number

Primary APN	`001-412-002-000`
Alternative APN	`001-412-002`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	660 sqft Living Area
1st Floor Area	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	3,852 sqft (0.088 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-412-002
Street Address	610 LARKIN ST
City	MONTEREY
State	CA
Zip	93940-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROMIE JACKS SUB NO 1 SUB B OF SUB 59-422 OF LOT B ALSO KNOWN AS SUB OF SPECIAL DESC 1
Legal Subdivision	ROMIE JACKS SUB NO 1 SUB B OF SUB 59-422
Legal Tract	1
Legal Block	1
Legal Lot Number	B
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1000
Census Tract	12800

Owner

Source: Monterey County records, as of August 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5533 CALIFORNIA ST, 2, SAN FRANCISCO, CA 94121-1346
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jan 5, 2023	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2010 · Amount on Record
Deed Sale	Jul 29, 2010 · Amount on Record
Prior Sale	Nov 29, 1993 · Amount on Record
Deed Document Number	201041365
Prior Transfer Date	Jun 15, 1995
Prior Transfer Doc	0000032137
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	Apr 28, 2026
Property Address	610 LARKIN ST, MONTEREY, CA 93940-2612
Document Number	0000013917
Instrument Date	Apr 21, 2026
Instrument	202613917
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 LARKIN ST, MONTEREY, CA 93940-2612

Mortgage

Document Number	0000013917,
Date	Apr 28, 2026
Instrument	202613917

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	610 LARKIN ST, MONTEREY, CA 93940-2612
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 LARKIN ST, MONTEREY, CA 93940-2612

Mortgage

Document Number	0000002089
Date	Jan 22, 2026
Instrument	2026002089

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Max Rate	10.2%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	610 LARKIN ST, MONTEREY, CA 93940-2612
Transaction Type	Mortgage
Record Updated	Jan 20, 2023
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 LARKIN ST, MONTEREY, CA 93940-2612

Mortgage

Document Number	0000000370
Date	Jan 5, 2023
Instrument	2023000370

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	353 Months
Due	Jun 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	610 LARKIN ST, MONTEREY, CA 93940-2612
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 LARKIN ST, MONTEREY, CA 93940-2612

Mortgage

Document Number	0000027629
Date	Jun 21, 2022
Instrument	2022027629

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$426,006 (+2%) Land $261,354 Building $164,652
2025	$4,990.00 (+8.34%)	$417,654 (+4.04%) Land $256,230 Building $161,424
2024	$4,606.00 (+3.97%)
2023	$4,430.00 (+1.4%)	$401,437 Land $246,281 Building $155,156
2022	$4,369.00

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 · 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	2 in force
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2019 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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