648 Lobos St, Monterey, CA 93940 Property Records

Monterey County property record for 648 Lobos St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1957
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Tax Bill	$2,333 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`001-203-010-000`

Property Details

APN / Parcel Number

Primary APN	`001-203-010-000`
Alternative APN	`001-203-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
1st Floor Area	1,492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	7,500 sqft (0.172 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Old Parcel Number	001-203-010
Street Address	648 LOBOS ST
City	MONTEREY
State	CA
Zip	93940-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHERS ADD TO MONTEREY LOTS 21, 23 & 25 BLK 51
Legal Subdivision	WITHERS ADD TO MONTEREY
Legal Block	51
Legal Lot Number	21
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	2
Census Block	2014
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	648 LOBOS ST, MONTEREY, CA 93940-2017
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WATERMARK CAPITAL INC
Mar 12, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Jul 1, 2020	Quit Claim Deed, Transfer WATERMARK CAP
Jul 1, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Sep 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 4, 2021
Transfer Doc	0000018606
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 12, 2021
Property Address	648 LOBOS ST, MONTEREY, CA 93940-2017
Document Number	0000018604
Map Reference	VOL 1 PG 4
Instrument Date	Mar 4, 2021
Instrument	2021018604
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	648 LOBOS ST, MONTEREY, CA 93940-2017

Mortgage

Document Number	0000018605
Date	Mar 12, 2021
Instrument	2021018605

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 12, 2021
Property Address	648 LOBOS ST, MONTEREY, CA 93940-2017
Document Number	0000018606
Map Reference	VOL 1 PG 4
Instrument Date	Mar 4, 2021
Instrument	2021018606
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Revocable Trust
Address	648 LOBOS ST, MONTEREY, CA 93940-2017

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 1, 2020
Property Address	648 LOBOS ST, MONTEREY, CA 93940-2017
Document Number	0000031726
Instrument Date	Apr 21, 2020
Instrument	31726
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	648 LOBOS ST MONTEREY CA 939402017, MONTEREY, CA 93940-2017

Mortgage

Document Number	31727
Date	Jul 1, 2020
Instrument	31727

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 1, 2020
Property Address	648 LOBOS ST, MONTEREY, CA 93940-2017
Document Number	0000031728
Instrument Date	Apr 21, 2020
Instrument	31728
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	648 LOBOS ST MONTEREY CA 939402017, MONTEREY, CA 93940-2017

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	648 LOBOS ST, MONTEREY, CA 93940-2017
Document Number	0000052428
Instrument Date	Sep 16, 2017
Transaction Type	Mortgage
Record Updated	Apr 2, 2018
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	648 LOBOS ST MONTEREY CA 939402017, MONTEREY, CA 93940-2017

Mortgage

Document Number	0000052428
Date	Sep 29, 2017
Instrument	52428

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

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		$186,793 (+2%) Land $82,625 Building $104,168
2025	$2,333.00 (+14.59%)	$183,131 (+4.04%) Land $81,005 Building $102,126
2023	$2,036.00 (+1.39%)	$176,021 Land $77,860 Building $98,161
2022	$2,008.00

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	Low lower than 97% of the US · lower than 97.8% 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 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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