Monterey County property record for 971 Paloma Rd, Monterey, CA 93940
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1950 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $960,000 (Jun 2022) |
| Tax Bill | $11,592 (2025) |
| Deeds & Mortgages | Sep 2022 Sale Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 012-543-010-000 |
| Primary APN | 012-543-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Old Parcel Number | 012-543-010 |
|---|---|
| Street Address | 971 PALOMA RD |
| City | MONTEREY |
| State | CA |
| Zip | 93940-5611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 195 DEL REY TERRACE LOT 10 BLK 4 |
| Legal Subdivision | DEL REY TERRACE |
| Legal Tract | 195 |
| Legal Block | 4 |
| Legal Lot Number | 10 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | SEASIDE-MONTEREY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 13400 |
971 Paloma Rd is owned by a company that bought it in June 2022.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 971 PALOMA RD, MONTEREY, CA 93940-5611 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
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 |
|---|---|
| Sep 7, 2022 | Grant Deed, Transfer |
| Aug 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Jun 27, 2022 | Grant Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2022 · Amount on File |
| Deed Sale | Jun 27, 2022 · Amount on File |
| Prior Sale | Jan 28, 2010 · Amount on File |
| Deed Document Number | 202228592 |
| Prior Transfer Date | Nov 1, 2012 |
| Prior Transfer Doc | 0000068076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Sep 7, 2022 |
| Property Address | 971 PALOMA RD, DEL REY OAKS, CA 93940-5611 |
| Document Number | 0000037314 |
| Map Reference | MB 5 PG 62 |
| Instrument Date | Sep 7, 2022 |
| Instrument | 2022037314 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 971 PALOMA RD, DEL REY OAKS, CA 93940-5611 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 971 PALOMA RD, DEL REY OAKS, CA 93940-5611 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 901 VIA VERDE, DEL REY OAKS, CA 93940-5623 |
| Document Number | 0000033227 |
|---|---|
| Date | Aug 4, 2022 |
| Instrument | 2022033227 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 10.3% |
| Index | Other |
| Margin | 4 |
| Max Rate | 10.3% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 27, 2022 |
| Property Address | 971 PALOMA RD, DEL REY OAKS, CA 93940-5611 |
| Document Number | 0000028592 |
| Map Reference | MB 5 PG 62 |
| Instrument Date | Jun 1, 2022 |
| Instrument | 2022028592 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2022 |
| Title Company | CHICAGO 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 |
|---|---|
| Address | 901 VIA VERDE, DEL REY OAKS, CA 93940-5623 |
| Document Number | 0000028593 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 2022028593 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 971 PALOMA RD, DEL REY OAKS, CA 93940-5611 |
| Document Number | 0000066641 |
| Instrument Date | Nov 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2020 |
| Title Company | CHICAGO TITLE COMPANY/CA, CHICAGO TITLE CO/CA |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 971 PALOMA RD DEL REY OAKS CA 939405611, DEL REY OAKS, CA 93940-5611 |
| Document Number | 0000066641 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 66641 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 16, 2050 |
The 2025 property tax bill for 971 Paloma Rd was $11,592, up 8% from the year before.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Municipality | Del Rey Oaks City |
| Unified School District | Monterey Peninsula Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,039,133 (+2%) Land $432,972 Building $606,161 | |
| 2025 | $11,592.00 (+7.95%) | $1,018,759 Land $424,483 Building $594,276 |
| 2024 | $10,738.00 (+0.67%) | |
| 2023 | $10,667.00 (+143.37%) | $979,200 Land $408,000 Building $571,200 |
| 2022 | $4,383.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 971 Paloma Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
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 971 Paloma Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% 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 412 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 |
| Razzolink Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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