641 Oak St, Monterey, CA 93940 Property Records

Monterey County property record for 641 Oak St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,628 sqft · built 1976
Lot Size	0.086 acres (3,756 sqft)
Owner	Trust Name on Record
Last Sale	$550,000 (Nov 2009)
Tax Bill	$8,222 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`001-149-024-000`

Property Details

APN / Parcel Number

Primary APN	`001-149-024-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,628 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Contemporary
Construction Type	Wood
Lot Area	3,756 sqft (0.086 acres)
Garage Type	Carport
Garage Area	192 sqft
Carport	Carport
Carport Area	192 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	641 OAK ST
City	MONTEREY
State	CA
Zip	93940-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHERS ADD TO MONTEREY LOT 22 X NLY 1/2 OF LOT 24 BLK 3
Legal Subdivision	WITHERS ADD TO MONTEREY
Legal Block	3
Legal Lot Number	22,24
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1011
Census Tract	12503

Owner

Source: Monterey County records, as of October 20, 2025

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

Owner of Record	Trust Name on Record
Mailing Address	641 OAK ST, MONTEREY, CA 93940-1322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 18, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2009 · Amount on Record
Deed Sale	Nov 9, 2009 · Amount on Record
Prior Sale	Feb 17, 2016
Deed Document Number	0000072373
Last Transfer Date	Dec 18, 2019
Transfer Doc	0000060211
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	641 OAK ST, MONTEREY, CA 93940-1322
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 OAK ST, MONTEREY, CA 93940-1322

Mortgage

Document Number	0000017015
Date	Mar 8, 2021
Instrument	2021017015

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 18, 2019
Property Address	641 OAK ST, MONTEREY, CA 93940-1322
Document Number	0000060211
Instrument Date	Dec 6, 2019
Instrument	60211
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	641 OAK ST MONTEREY CA 939401322, MONTEREY, CA 93940-1322

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

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
2025	$8,222.00 (+11.02%) Homeowner's exemption	$709,940 (+4.04%) Land $496,961 Building $212,979
2023	$7,406.00 (+1.41%) Homeowner's exemption	$682,373 Land $477,664 Building $204,709
2022	$7,303.00

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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