950 Elko St, Gonzales, CA 93926 Property Records

Monterey County property record for 950 Elko St, Gonzales, CA 93926

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1992
Lot Size	0.146 acres (6,360 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Dec 2021)
Tax Bill	$6,883 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`020-161-027-000`

Property Details

APN / Parcel Number

Primary APN	`020-161-027-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Other
Construction Type	Wood
Lot Area	6,360 sqft (0.146 acres)
Garage Area	368 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	950 ELKO ST
City	GONZALES
State	CA
Zip	93926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MADERAK SUBD TRACT 1018 LOT 3
Legal Subdivision	MADERAK SUBD
Legal Tract	1018
Legal Block	4
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	GONZALES
Census Block Group	4
Census Block	4000
Census Tract	10804

Owner

950 Elko St is owned by an individual who bought it in December 2021.

Source: Monterey County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 2115, GONZALES, CA 93926-2115
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Grant Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Dec 23, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 23, 2019	Grant Deed, Transfer · Stand-Alone Second Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2021 · Amount on File
Deed Sale	Dec 23, 2021 · Amount on File
Prior Sale	Jan 23, 2019 · Amount on File
Deed Document Number	202185386
Prior Transfer Date	Dec 22, 2021
Prior Transfer Doc	0000085385
Record Updated	Sep 20, 2026

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 23, 2021
Property Address	950 ELKO ST, GONZALES, CA 93926
Document Number	0000085386
Map Reference	VOL 15 PG 68
Instrument Date	Dec 22, 2021
Instrument	2021085386
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2115, GONZALES, CA 93926-2115

Mortgage

Document Number	0000085387
Date	Dec 23, 2021
Instrument	2021085387

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Jan 1, 2062

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 23, 2021
Property Address	950 ELKO ST, GONZALES, CA 93926
Document Number	0000085385
Map Reference	VOL 15 PG 68
Instrument Date	Dec 22, 2021
Instrument	2021085385
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2115, GONZALES, CA 93926-2115

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	950 ELKO ST, GONZALES, CA 93926
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 ELKO ST, GONZALES, CA 93926

Mortgage

Document Number	0000040735
Date	Jun 10, 2021
Instrument	2021040735

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 23, 2019
Property Address	950 ELKO ST, GONZALES, CA 93926
Document Number	0000002692
Map Reference	VOL 15 PG 68
Instrument Date	Jan 17, 2019
Instrument	2019002692
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 684, GONZALES, CA 93926-0684

Mortgage

Document Number	0000002694
Date	Jan 23, 2019
Instrument	2019002694

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000002695
Date	Jan 23, 2019
Instrument	2019002695

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Loan Assumption
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 950 Elko St was $6,883.

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Gonzales City
Unified School District	Gonzales Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$595,337 (+2%) Land $270,608 Building $324,729
2025	$6,883.00	$583,664 Land $265,302 Building $318,362
2023	$6,452.00 (-3.21%)	$561,000 Land $255,000 Building $306,000
2022	$6,666.00

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

Flood

FEMA maps place 950 Elko 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.

Wildfire

Wildfire risk around 950 Elko 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 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	CITY OF GONZALES serves 8,333 people · EPA ID CA2710007
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: AT&T.

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