Monterey County property record for 865 Oak St, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,089 sqft · built 1940 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | Trust Name on File |
| Last Sale | $680,000 (Aug 2007) |
| Tax Bill | $10,580 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-128-017-000 |
| Primary APN | 001-128-017-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,089 sqft Living Area |
| 1st Floor Area | 1,089 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | L-Shape |
| Construction Type | Wood |
| Lot Area | 3,750 sqft (0.086 acres) |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Old Parcel Number | 001-128-017 |
|---|---|
| Street Address | 865 OAK ST |
| City | MONTEREY |
| State | CA |
| Zip | 93940-1213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WITHERS ADD TO MONTEREY LOT 16 X NW 1/2 OF LOT 18 BLK 1 R/W & EXC R/W |
| Legal Subdivision | WITHERS ADD TO MONTEREY |
| Legal Block | 1 |
| Legal Lot Number | 16,18 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12503 |
865 Oak St is held in a trust since January 2008.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3655 S RANCHFORD CT, CONCORD, CA 94520-1415 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2007 · Amount on File |
| Deed Sale | Aug 30, 2007 · Amount on File |
| Deed Document Number | 200767821 |
| Last Transfer Date | Jan 16, 2008 |
| Transfer Doc | 0000006636 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 865 OAK ST, MONTEREY, CA 93940-1213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE CONNECT INC |
| Name | Verified Name |
|---|
| Document Number | 0000033059 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 2019033059 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
The 2025 property tax bill for 865 Oak St was $10,580.
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 | $929,297 (+2%) Land $683,309 Building $245,988 | |
| 2025 | $10,580.00 | $911,076 Land $669,911 Building $241,165 |
| 2023 | $9,554.00 (+1.4%) | $875,700 Land $643,899 Building $231,801 |
| 2022 | $9,422.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 865 Oak 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 | 1 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.
The area around 865 Oak 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.
5G (outdoors only) and 4G LTE
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