640 Terry St, Monterey, CA 93940 Property Records

Monterey County property record for 640 Terry St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 788 sqft · built 1954
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Tax Bill	$7,806 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-168-007-000`

Property Details

APN / Parcel Number

Primary APN	`001-168-007-000`
Alternative APN	`001-168-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	788 sqft Living Area
1st Floor Area	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	001-168-007
Street Address	640 TERRY ST
City	MONTEREY
State	CA
Zip	93940-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHERS ADD TO MONTEREY LOTS 21 & 23 BLK 25
Legal Subdivision	WITHERS ADD TO MONTEREY
Legal Block	25
Legal Lot Number	21,23
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1028
Census Tract	12503

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	Company Name on Record
Mailing Address	640 TERRY ST, MONTEREY, CA 93940-1607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 1, 2021	Intrafamily Transfer, Transfer AMROCK LLC
Dec 27, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 24, 2021
Transfer Doc	0000065275
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Oct 1, 2021
Property Address	640 TERRY ST, MONTEREY, CA 93940-1607
Document Number	0000065273
Map Reference	VOL 1 PG 4
Instrument Date	Sep 24, 2021
Instrument	2021065273
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	AMROCK INC, AMROCK LLC

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
Address	640 TERRY ST, MONTEREY, CA 93940-1607

Mortgage

Document Number	0000065274
Date	Oct 1, 2021
Instrument	2021065274

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Oct 1, 2021
Property Address	640 TERRY ST, MONTEREY, CA 93940-1607
Document Number	0000065275
Map Reference	VOL 1 PG 4
Instrument Date	Sep 24, 2021
Instrument	2021065275
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Revocable Trust
Address	640 TERRY ST, MONTEREY, CA 93940-1607

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	640 TERRY ST, MONTEREY, CA 93940-1607
Document Number	0000001970
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	640 TERRY ST MONTEREY CA 939401607, MONTEREY, CA 93940-1607

Mortgage

Document Number	0000001970
Date	Jan 17, 2019
Instrument	1970

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$679,561 (+2%) Land $517,063 Building $162,498
2025	$7,806.00 (+11.34%)	$666,237 (+4.04%) Land $506,925 Building $159,312
2023	$7,011.00 (+1.39%)	$640,369 Land $487,242 Building $153,127
2022	$6,915.00

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	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

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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