635 Terry St, Monterey, CA 93940 Property Records

Monterey County property record for 635 Terry St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 1992
Lot Size	0.172 acres (7,500 sqft)
Owner	Trust Name on File
Last Sale	$817,500 (Aug 2018)
Tax Bill	$10,590 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-167-020-000`

Property Details

APN / Parcel Number

Primary APN	`001-167-020-000`
Alternative APN	`001-167-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,830 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,500 sqft (0.172 acres)
Garage Area	516 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	001-167-020
Street Address	635 TERRY ST
City	MONTEREY
State	CA
Zip	93940-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHERS ADD TO MONTEREY LOT 22 & 24 BLK 32
Legal Subdivision	WITHERS ADD TO MONTEREY
Legal Block	32
Legal Lot Number	22,24
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2009
Census Tract	12503

Owner

635 Terry St is held in a trust since August 2018.

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

Owner of Record	Trust Name on File
Mailing Address	4450 N WILSON AVE, FRESNO, CA 93704-3630
Owner Type	Company
Vesting	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
Aug 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 1, 2018	Grant Deed, Transfer · Conventional Mortgage RESOURCE LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2018 · Amount on File
Deed Sale	Aug 1, 2018 · Amount on File
Prior Sale	Nov 13, 2012 · Amount on File
Deed Document Number	201834070
Prior Transfer Date	Aug 28, 2001
Prior Transfer Doc	0000074155
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	635 TERRY ST, MONTEREY, CA 93940-1606
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	AMROCK TITLE CA INC, AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 N WILSON AVE, FRESNO, CA 93704-3630

Mortgage

Document Number	0000055791
Date	Aug 18, 2021
Instrument	2021055791

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Feb 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	635 TERRY ST, MONTEREY, CA 93940-1606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054741
Date	Nov 19, 2019
Instrument	2019054741

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 1, 2018
Property Address	635 TERRY ST, MONTEREY, CA 93940-1606
Document Number	0000034070
Map Reference	MB1 PG4
Instrument Date	Jul 30, 2018
Instrument	2018034070
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4450 N WILSON AVE, FRESNO, CA 93704-3630

Mortgage

Document Number	0000034072
Date	Aug 1, 2018
Instrument	2018034072

Lender

Name	RESOURCE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 635 Terry St was $10,590.

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		$945,168 (+3.64%) Land $625,803 Building $319,365
2025	$10,590.00	$911,931 Land $613,533 Building $298,398
2023	$9,524.00 (+1.41%)	$876,521 Land $589,709 Building $286,812
2022	$9,392.00

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

Flood

FEMA maps place 635 Terry 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 635 Terry 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 753 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
Verizon Fixed Wireless	300 / 20

May also be available: Optimum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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