827 Cactus Ct, Salinas, CA 93905 Property Records

Monterey County property record for 827 Cactus Ct, Salinas, CA 93905

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,823 sqft · built 2000
Lot Size	0.169 acres (7,370 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Aug 2011)
Tax Bill	$4,053 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Aug 2023 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`153-561-024-000`

Property Details

APN / Parcel Number

Primary APN	`153-561-024-000`
Alternative APN	`153-561-024`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,823 sqft Living Area
1st Floor Area	1,823 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Tile
Lot Area	7,370 sqft (0.169 acres)
Garage Area	461 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	153-561-024
Street Address	827 CACTUS CT
City	SALINAS
State	CA
Zip	93905-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAPARRAL SUBDIVISION/UNITS VOL 20 C&T PG 32 TRACT 1332 LOT 24 BLK 13
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Tract	1332
Legal Block	13
Legal Lot Number	24
Jurisdiction	MONTEREY CA
Township / Civil Division	SALINAS
Census Block Group	2
Census Block	2000
Census Tract	10604

Owner

Source: Monterey County records, as of August 6, 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	2 Individual Names on File
Mailing Address	827 CACTUS CT, SALINAS, CA 93905-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRANKLIN LOAN CENTER
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 10, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2011 · Amount on File
Deed Sale	Aug 19, 2011 · Amount on File
Prior Sale	Mar 11, 2011 · Amount on File
Deed Document Number	201145363
Last Transfer Date	Jul 19, 2016
Transfer Doc	0000042581
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	827 CACTUS CT, SALINAS, CA 93905-4606
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 CACTUS CT, SALINAS, CA 93905-4606

Mortgage

Document Number	0000032261
Date	Sep 29, 2025
Instrument	2025032261

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company
Address	PALM DESERT, CA 92260

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	827 CACTUS CT, SALINAS, CA 93905-4606
Transaction Type	Mortgage
Record Updated	Aug 30, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 CACTUS CT, SALINAS, CA 93905-4606

Mortgage

Document Number	0000025483
Date	Aug 17, 2023
Instrument	2023025483

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	827 CACTUS CT, SALINAS, CA 93905-4606
Transaction Type	Mortgage
Record Updated	Jan 24, 2023
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 CACTUS CT, SALINAS, CA 93905-4606

Mortgage

Document Number	0000000805
Date	Jan 10, 2023
Instrument	2023000805

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	827 CACTUS CT, SALINAS, CA 93905-4606
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 CACTUS CT, SALINAS, CA 93905-4606

Mortgage

Document Number	0000065011
Date	Sep 30, 2021
Instrument	2021065011

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	827 CACTUS CT, SALINAS, CA 93905-4606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062916
Date	Nov 13, 2017
Instrument	2017062916

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	827 CACTUS CT, SALINAS, CA 93905-4606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 CACTUS CT, SALINAS, CA 93905-4606

Mortgage

Document Number	0000003959
Date	Jan 20, 2021
Instrument	2021003959

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	BAY CITY, TX 77404

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Salinas City
Elementary School District	Alisal Union Elementary School District (KG - 06)
Secondary School District	Salinas Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$313,876 (+2%) Land $76,864 Building $237,012
2025	$4,053.00 (-1.67%) Homeowner's exemption	$307,722 (+4.04%) Land $75,357 Building $232,365
2023	$4,122.00 (+10.63%) Homeowner's exemption	$295,775 Land $72,432 Building $223,343
2022	$3,726.00

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 Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 98% of the US · lower than 98.4% 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	ALCO WATER SERVICE private · serves 56,253 people · EPA ID CA2710001
Water Source	Groundwater
Last State Inspection	Feb 2022
Lead	Under 1 ppb (2023–2025) 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 693 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Cruzio, GeoLinks.

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