7540 Monterra Ranch Rd, Monterey, CA 93940 Property Records

Monterey County property record for 7540 Monterra Ranch Rd, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 8,334 sqft · built 2005
Lot Size	4.47 acres (194,713 sqft)
Owner	Company Name on Record
Last Sale	$4,100,000 (Mar 2018)
Tax Bill	$52,891 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`259-101-123-000`

Property Details

APN / Parcel Number

Primary APN	`259-101-123-000`
Alternative APN	`259-101-123`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	19 Rooms
Stories	2 Stories
Building Area	8,334 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	194,713 sqft (4.47 acres)
Garage Area	1,231 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Old Parcel Number	259-101-123
Street Address	7540 MONTERRA RANCH RD
City	MONTEREY
State	CA
Zip	93940-7321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VOL 24 SUR MAPS PG 53 ADJ LOT 60 4.472 AC
Legal Lot Number	60
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1019
Census Tract	13200

Owner

Source: Monterey County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 3286, MONTEREY, CA 93942-3286
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 23, 2018	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Prior Sale	May 23, 2014 · Amount on Record
Deed Document Number	201812325
Prior Transfer Date	May 23, 2013
Prior Transfer Doc	0000036935
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	7540 MONTERRA RANCH RD, MONTEREY, CA 93940-7321
Transaction Type	Mortgage
Record Updated	Aug 25, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7540 MONTERRA RANCH RD, MONTEREY, CA 93940-7321

Mortgage

Document Number	0000025268
Date	Aug 15, 2023
Instrument	2023025268

Lender

Name	US BANK NA
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 23, 2018
Property Address	7540 MONTERRA RANCH RD, MONTEREY, CA 93940-7321
Document Number	0000012325
Map Reference	VOL24 PG53
Instrument Date	Mar 15, 2018
Instrument	2018012325
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE CO SALINA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	7540 MONTERRA RANCH RD, MONTEREY, CA 93940-7321

Mortgage

Document Number	0000012326
Date	Mar 23, 2018
Instrument	2018012326

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$4,758,397 (+2%) Land $1,044,524 Building $3,713,873
2025	$52,891.00 (+9.08%)	$4,665,096 (+4.04%) Land $1,024,044 Building $3,641,052
2023	$48,488.00 (+1.4%)	$4,483,946 Land $984,280 Building $3,499,666
2022	$47,818.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · rainfall accumulation

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	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	CANADA WOODS WC private · serves 356 people · EPA ID CA2702588
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2024–2026) action level 15 ppb
Copper	1.8 mg/L (2020–2022) action level 1.3 mg/L

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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