645 Elm Ave, Seaside, CA 93955 Property Records

Monterey County property record for 645 Elm Ave, Seaside, CA 93955

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,158 sqft · built 1960
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Dec 1997)
Tax Bill	$2,865 (2025)
Deeds & Mortgages	Jul 2022 Transfer Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`011-296-018-000`

Property Details

APN / Parcel Number

Primary APN	`011-296-018-000`
Alternative APN	`011-296-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,158 sqft Living Area
1st Floor Area	1,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	L-Shape
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Tar & Gravel
Lot Area	4,000 sqft (0.092 acres)
Garage Area	301 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	011-296-018
Street Address	645 ELM AVE
City	SEASIDE
State	CA
Zip	93955-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VISTA DEL REY TRACT LOT 10 BLK 19
Legal Subdivision	VISTA DEL REY
Legal Block	19
Legal Lot Number	10
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1063
Census Tract	14000

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	645 ELM AVE, SEASIDE, CA 93955-4217
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Intrafamily Transfer, Transfer
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
May 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 1997 · Amount on Record
Deed Sale	Dec 23, 1997 · Amount on Record
Deed Document Number	199775789
Last Transfer Date	Jul 18, 2022
Transfer Doc	0000031482
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jul 20, 2022
Property Address	645 ELM AVE, SEASIDE, CA 93955-4217
Document Number	0000031482
Map Reference	VOL 1 PG 7
Instrument Date	Jul 18, 2022
Instrument	2022031482
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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 Living Trust
Address	645 ELM AVE, SEASIDE, CA 93955-4217

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	645 ELM AVE, SEASIDE, CA 93955-4217
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021521
Date	Mar 24, 2021
Instrument	2021021521

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	645 ELM AVE, SEASIDE, CA 93955-4217
Document Number	0000024167
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ELM AVE SEASIDE CA 939554217, SEASIDE, CA 93955-4217

Mortgage

Document Number	0000024167
Date	Jun 1, 2018
Instrument	24167

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	Seaside City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$260,550 (+2%) Land $130,275 Building $130,275
2025	$2,865.00 (+7.91%) Homeowner's exemption	$255,442 (+4.04%) Land $127,721 Building $127,721
2024	$2,655.00 (-0.38%)
2023	$2,665.00 (+1.49%) Homeowner's exemption	$245,524 Land $122,762 Building $122,762
2022	$2,626.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 723 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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