650 Grace St, Monterey, CA 93940 Property Records

Monterey County property record for 650 Grace St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,499 sqft · built 1948
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,075,000 (Nov 2025)
Tax Bill	$5,757 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-146-016-000`

Property Details

APN / Parcel Number

Primary APN	`001-146-016-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,499 sqft Living Area
1st Floor Area	1,499 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	650 GRACE ST
City	MONTEREY
State	CA
Zip	93940-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WITHERS ADD TO MONTEREY LOT 11,13 BLK 22
Legal Subdivision	WITHERS ADD TO MONTEREY
Legal Block	22
Legal Lot Number	11,13
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1027
Census Tract	12503

Owner

Source: Monterey County records · APN 001-146-016-000

Assessment roll updated August 6, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	650 GRACE ST, MONTEREY, CA 93940-1617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Mar 12, 1997 · Amount on Record
Deed Document Number	202544227
Prior Transfer Date	Feb 07, 2025
Prior Transfer Doc	0000005027
Record Updated	Sep 20, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Nov 24, 2025
Property Address	650 GRACE ST, MONTEREY, CA 93940-1617
Document Number	0000044227
Map Reference	VOL 1 PG 4
Instrument Date	Nov 11, 2025
Instrument	2025044227
Transaction Type	Transfer
Record Updated	Dec 03, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	650 GRACE ST, MONTEREY, CA 93940-1617

Mortgage

Document Number	0000044228
Date	Nov 24, 2025
Instrument	2025044228

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Dec 01, 2032
Change Frequency	6 Months
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated August 6, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value
2026		$1,075,000 (+121.5%) Land $750,000 Building $325,000
2025	$5,757.00 (+13.48%)	$485,318 (+4.04%) Land $244,286 Building $241,032
2023	$5,073.00 (+1.42%) Homeowner's exemption	$466,474 Land $234,801 Building $231,673
2022	$5,002.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no wildfire likelihood modeled here

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 Communications, T-Mobile USA.

Based on FCC filings for 753 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CAL AM WATER COMPANY - MONTEREY private · serves 128,928 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.