Monterey County property record for 824 Spencer St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 908 sqft · built 1925 |
| Lot Size | 0.134 acres (5,850 sqft) |
| Owner | Trust Name on File |
| Last Sale | $382,000 (Jun 2000) |
| Tax Bill | $6,831 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-085-022-000 |
| Primary APN | 001-085-022-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 908 sqft Living Area |
| 1st Floor Area | 908 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 5,850 sqft (0.134 acres) |
| Heating System | Floor/Wall Furnace |
|---|
| Old Parcel Number | 001-085-022 |
|---|---|
| Street Address | 824 SPENCER ST |
| City | MONTEREY |
| State | CA |
| Zip | 93940-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HERRMANNS NEW MONTEREY LOT 6 BLK 8 |
| Legal Subdivision | HERRMANNS NEW MONTEREY |
| Legal Block | 8 |
| Legal Lot Number | 6 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 12504 |
824 Spencer St is owner-occupied and held in a trust since August 2003.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 824 SPENCER ST, MONTEREY, CA 93940-1235 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 12, 2018 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2000 · Amount on File |
| Deed Sale | Jun 22, 2000 · Amount on File |
| Deed Document Number | 200039775 |
| Last Transfer Date | Aug 22, 2003 |
| Transfer Doc | 0000121806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 824 SPENCER ST, MONTEREY, CA 93940-1235 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Title Company | AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 824 SPENCER ST, MONTEREY, CA 93940-1235 |
| Document Number | 0000052068 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 2022052068 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 824 SPENCER ST, MONTEREY, CA 93940-1235 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000045875 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | 2018045875 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2048 |
The 2025 property tax bill for 824 Spencer St was $6,831 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Monterey City |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $598,849 (+2%) Land $407,599 Building $191,250 | |
| 2025 | $6,831.00 Homeowner's exemption | $587,107 Land $399,607 Building $187,500 |
| 2023 | $6,114.00 (+1.43%) Homeowner's exemption | $564,311 Land $384,091 Building $180,220 |
| 2022 | $6,028.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 824 Spencer St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 824 Spencer St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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.
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