Monterey County property record for 861 Cedar St, Pacific Grove, CA 93950
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 810 sqft · built 1926 |
| Lot Size | 0.276 acres (12,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $494 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Nov 2016 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-641-020-000 |
| Primary APN | 006-641-020-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 810 sqft Living Area |
| 1st Floor Area | 810 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 12,000 sqft (0.276 acres) |
| Garage Area | 304 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Old Parcel Number | 006-641-020 |
|---|---|
| Street Address | 861 CEDAR ST |
| City | PACIFIC GROVE |
| State | CA |
| Zip | 93950-4806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASSRS MAP OF PACIFIC GROVE ACRES SLY 0.254 AC OF NLY 0.742 AC OF LOT 10 BLK 341 |
| Legal Subdivision | MAP OF PACIFIC GROVE |
| Legal Block | 341 |
| Legal Lot Number | 10 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 12100 |
861 Cedar St is owned and occupied by two individuals who acquired it in January 2006.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 861 CEDAR ST, PACIFIC GROVE, CA 93950-4806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Nov 25, 2016 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 24, 2006 |
| Transfer Doc | 0000009183 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 861 CEDAR ST, PACIFIC GROVE, CA 93950-4806 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Address | 861 CEDAR ST, PACIFIC GROVE, CA 93950-4806 |
| Document Number | 0000001810 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 2021001810 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 861 CEDAR ST, PACIFIC GROVE, CA 93950-4806 |
| Document Number | 0000000071 |
| Instrument Date | Nov 25, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2017 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 861 CEDAR ST PACIFIC GROVE CA 939504806, PACIFIC GROVE, CA 93950-4806 |
| Document Number | 0000000071 |
|---|---|
| Date | Jan 3, 2017 |
| Instrument | 71 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 861 Cedar St was $494.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Pacific Grove City |
| Unified School District | Pacific Grove Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $42,195 (+2%) Land $24,897 Building $17,298 | |
| 2025 | $494.00 | $41,368 Land $24,409 Building $16,959 |
| 2023 | $513.00 (+1.79%) | $39,763 Land $23,462 Building $16,301 |
| 2022 | $504.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 861 Cedar St in Zone X, an area of minimal flood risk.
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 | 4 in force |
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 risk around 861 Cedar St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% 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.
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 684 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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