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874 Spencer St, Monterey, CA 93940 Property Records

Monterey County property record for 874 Spencer St, Monterey, CA 93940

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,196 sqft · built 1956
Lot Size0.172 acres (7,500 sqft)
OwnerTrust Name on File
Last Sale$684,000 (Oct 2016)
Tax Bill$9,173 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Mar 2019 Transfer
Flood ZoneZone X (minimal risk)
APN001-085-015-000

Property Details

APN / Parcel Number

Primary APN001-085-015-000
Alternative APN
  • 001-085-015

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms8 Rooms
Stories1 Story
Building Area1,196 sqft Living Area
1st Floor Area1,196 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1956
Effective Year BuiltEffective 1956
Architectural StyleCustom Design
Construction TypeWood
Lot Area7,500 sqft (0.172 acres)
Garage Area336 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Old Parcel Number001-085-015
Street Address874 SPENCER ST
CityMONTEREY
StateCA
Zip93940-1235
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHERRMANNS NEW MONTEREY NW 25 FT OF LOT 12 X 14 BLK 8 EXC NE 17 FT OF LOT 14 BLK 8
Legal SubdivisionHERRMANNS NEW MONTEREY
Legal Block8
Legal Lot Number12,14
JurisdictionMONTEREY CA
Township / Civil DivisionSEASIDE-MONTEREY
Census Block Group1
Census Block1003
Census Tract12504

Owner

874 Spencer St is owner-occupied and held in a trust since October 2016.

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 RecordTrust Name on File
Mailing Address874 SPENCER ST, MONTEREY, CA 93940-1235
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Feb 4, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Mar 7, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 25, 2016 · Amount on File
Deed SaleOct 25, 2016 · Amount on File
Deed Document Number201664839
Prior Transfer DateSep 30, 2016
Prior Transfer Doc0000064838
Record UpdatedOct 29, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address874 SPENCER ST, MONTEREY, CA 93940-1235
Transaction TypeMortgage
Record UpdatedAug 19, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address874 SPENCER ST, DEL REY OAKS, CA 93940-1235

Mortgage

Document Number0000008494
DateFeb 4, 2021
Instrument2021008494
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2051

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONTEREY CA
Recording DateMar 7, 2019
Property Address874 SPENCER ST, MONTEREY, CA 93940-1235
Document Number0000009010
Instrument DateMar 4, 2019
Instrument9010
Transaction TypeTransfer
Record UpdatedMar 21, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address874 SPENCER ST MONTEREY CA 939401235, MONTEREY, CA 93940-1235

Tax Assessment & Valuation

The 2025 property tax bill for 874 Spencer St was $9,173 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateCalifornia
CountyMonterey County
MunicipalityMonterey City
Unified School DistrictMonterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$809,711 (+2%) Land $473,516 Building $336,195
2025$9,173.00 Homeowner's exemption$793,835 Land $464,232 Building $329,603
2023$8,261.00 (+1.41%) Homeowner's exemption$763,011 Land $446,206 Building $316,805
2022$8,146.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 874 Spencer St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 15, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 874 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 RiskNot rated
no burnable land within 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 SystemCAL AM WATER COMPANY - MONTEREY
private · serves 128,928 people · EPA ID CA2710004
Water SourceGroundwater influenced by surface water
Last State InspectionAug 2024
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 763 locations within half a mile, as of December 31, 2025

ProviderMax 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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