Monterey County property record for 828 Pacific St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,367 sqft · built 1939 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $985,000 (May 2022) |
| Tax Bill | $3,646 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-602-004-000 |
| Primary APN | 001-602-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,367 sqft Living Area |
| 1st Floor Area | 1,367 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 5,500 sqft (0.126 acres) |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|
| Old Parcel Number | 001-602-004 |
|---|---|
| Street Address | 828 PACIFIC ST |
| City | MONTEREY |
| State | CA |
| Zip | 93940-4446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOUD TRACT LOT 6, 7 BLK 7 |
| Legal Subdivision | DOUD |
| Legal Block | 7 |
| Legal Lot Number | 6,7 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 12800 |
828 Pacific St is owned and occupied by two individuals who bought it in May 2022.
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 | 828 PACIFIC ST, MONTEREY, CA 93940-4446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 11, 2022 | Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Dec 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on File |
| Deed Sale | May 11, 2022 · Amount on File |
| Prior Sale | Apr 29, 1998 · Amount on File |
| Deed Document Number | 202222175 |
| Prior Transfer Date | Mar 14, 1996 |
| Prior Transfer Doc | 0000032206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | May 11, 2022 |
| Property Address | 828 PACIFIC ST, MONTEREY, CA 93940-4446 |
| Document Number | 0000022175 |
| Map Reference | VOL 1 PG 60 |
| Instrument Date | Apr 27, 2022 |
| Instrument | 2022022175 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 828 PACIFIC ST, MONTEREY, CA 93940-4446 |
| Document Number | 0000022176 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 2022022176 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 828 PACIFIC ST, MONTEREY, CA 93940-4446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000052300 |
|---|---|
| Date | Nov 5, 2019 |
| Instrument | 2019052300 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 828 PACIFIC ST, MONTEREY, CA 93940-4446 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 828 PACIFIC ST, MONTEREY, CA 93940-4446 |
| Document Number | 0000071215 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 2020071215 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 828 Pacific St was $3,646 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 | $312,120 (+2%) Land $187,680 Building $124,440 | |
| 2025 | $3,646.00 Homeowner's exemption | $306,000 Land $184,000 Building $122,000 |
| 2023 | $10,889.00 (+157.18%) Homeowner's exemption | $1,004,700 Land $510,000 Building $494,700 |
| 2022 | $4,234.00 |
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.
FEMA maps place 828 Pacific St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.
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 | 2 in force |
| Nearby Flood Claims | 2 (2018–2019) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Dec 2019 · 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.
The area around 828 Pacific 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 270 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: GeoLinks, Verizon.
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