1 Ridgeback Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 1 Ridgeback Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,714 sqft · built 1978
Lot Size	11.5 acres (500,940 sqft)
Owner	2 Individual Names on File
Last Sale	$740,000 (Feb 2016)
Tax Bill	$1,393 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`197-161-018-000`

Property Details

APN / Parcel Number

Primary APN	`197-161-018-000`
Alternative APN	`197-161-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,714 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	500,940 sqft
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	197-161-018
Street Address	1 RIDGEBACK RD
City	CARMEL VALLEY
State	CA
Zip	93924-9105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOS TULARCITOS RO POR L8 SHOWN AS PAR B IN VOL 10 SUR PG 130 11.775 AC APRX
Legal Subdivision	LOS TULARCITOS RO
Legal Block	2
Legal Lot Number	8
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2014
Census Tract	11002

Owner

1 Ridgeback Rd is owned and occupied by two individuals who acquired it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1 RIDGEBACK RD, CARMEL VALLEY, CA 93924-9105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI SYNERGY ONE LNDG
Nov 18, 2019	Deed of Trust, Mortgage SYNERGY ONE LNDG
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
May 18, 2017	Quit Claim Deed, Transfer · Conventional Mortgage PRINCETON CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2016 · Amount on File
Deed Sale	Feb 29, 2016 · Amount on File
Deed Document Number	201610411
Last Transfer Date	May 12, 2017
Transfer Doc	0000026595
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1 RIDGEBACK RD, CARMEL VALLEY, CA 93924-9105
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	I RIDGEBACK ROAD, CARMEL VALLEY, CA 93924

Mortgage

Document Number	0000062299
Date	Sep 17, 2021
Instrument	2021062299

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1 RIDGEBACK RD, CARMEL VALLEY, CA 93924-9105
Document Number	0000036051
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	CHICAGO TITLE SALINAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1 RIDGEBACK RD CARMEL VALLEY CA 939249105, CARMEL VALLEY, CA 93924-9105

Mortgage

Document Number	0000036051
Date	Jul 23, 2020
Instrument	36051

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1 RIDGEBACK RD, CARMEL VALLEY, CA 93924-9105
Document Number	0000056138
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1 RIDGEBACK RD CARMEL VALLEY CA 939249105, CARMEL VALLEY, CA 93924-9105

Mortgage

Document Number	0000056138
Date	Nov 25, 2019
Instrument	56138

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 24, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	1 RIDGEBACK RD, CARMEL VALLEY, CA 93924-9105
Document Number	0000033600
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1 RIDGEBACK RD CARMEL VALLEY CA 939249105, CARMEL VALLEY, CA 93924-9105

Mortgage

Document Number	0000033600
Date	Jul 31, 2018
Instrument	33600

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2048

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	May 18, 2017
Property Address	1 RIDGEBACK RD, CARMEL VALLEY, CA 93924-9105
Document Number	0000026595
Instrument Date	May 12, 2017
Instrument	26595
Transaction Type	Transfer
Record Updated	May 25, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1 RIDGEBACK RD CARMEL VALLEY CA 939249105, CARMEL VALLEY, CA 93924-9105

Mortgage

Document Number	26596
Date	May 18, 2017
Instrument	26596

Lender

Name	PRINCETON CAP
Type	Funding / Finance Company
Address	LOS GATOS, CA 95032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1 Ridgeback Rd was $1,393.

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Unified School District	Carmel Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$131,894 (+2%) Land $55,500 Building $76,394
2025	$1,393.00	$129,309 Land $54,412 Building $74,897
2023	$1,346.00 (+3.38%)	$124,290 Land $52,300 Building $71,990
2022	$1,302.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1 Ridgeback Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 1 Ridgeback Rd is high, ranking above 87% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 87% of the US · above 68% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, T-Mobile, Verizon.

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