978 Madison St, Monterey, CA 93940 Property Records

Monterey County property record for 978 Madison St, Monterey, CA 93940

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,108 sqft · built 1972
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on File
Tax Bill	$13,783 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`001-333-024-000`

Property Details

APN / Parcel Number

Primary APN	`001-333-024-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,108 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Architectural Style	Contemporary
Construction Type	Wood
Lot Area	4,000 sqft (0.091 acres)
Garage Type	Carport
Garage Area	324 sqft
Carport	Carport
Carport Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	978 MADISON ST
City	MONTEREY
State	CA
Zip	93940-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHNSON ADD LOT 17 BLK 5
Legal Subdivision	JOHNSON ADD
Legal Block	5
Legal Lot Number	17
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	3
Census Block	3021
Census Tract	12700

Owner

Source: Monterey County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	978 MADISON ST, MONTEREY, CA 93940-2102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONEWEST BANK FSB
Dec 19, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2006
Deed Sale	Apr 27, 2006
Prior Sale	Apr 27, 2006
Deed Document Number	0000037718
Last Transfer Date	Dec 19, 2017
Transfer Doc	0000069831
Record Updated	Jun 7, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	978 MADISON ST, MONTEREY, CA 93940-2102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011773
Date	Mar 9, 2020
Instrument	2020011773

Lender

Name	ONEWEST BANK FSB
Type	Bank
Address	PASADENA, CA 91103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 19, 2017
Property Address	978 MADISON ST, MONTEREY, CA 93940-2102
Document Number	0000069831
Map Reference	VOL1 PG33
Instrument Date	Dec 1, 2017
Instrument	2017069831
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	978 MADISON ST, MONTEREY, CA 93940-2102

Mortgage

Document Number	0000069832
Date	Dec 19, 2017
Instrument	2017069832

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$13,783.00 (+9.87%) Homeowner's exemption	$1,200,805 (+4.04%) Land $690,119 Building $510,686
2023	$12,545.00 (+1.41%) Homeowner's exemption	$1,154,178 Land $663,322 Building $490,856
2022	$12,371.00

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 533 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250

May also be available: California Internet, Verizon.

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