Monterey County property record for 10 Vista Ladera, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,369 sqft · built 1995 |
| Lot Size | 3.98 acres (173,804 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,150,000 (Jun 2020) |
| Tax Bill | $24,851 (2025) |
| Deeds & Mortgages | Feb 2018 Reverse Mortgage Jun 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-111-027-000 |
| Primary APN | 187-111-027-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 4,369 sqft Living Area |
| 1st Floor Area | 4,369 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Tile |
| Lot Area | 173,804 sqft |
| Garage Type | Detached |
| Heating System | Central |
|---|
| Old Parcel Number | 187-111-027 |
|---|---|
| Street Address | 10 VISTA LADERA |
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924-9423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VOL 12 PAR MAPS PG 50 PAR A 3.99 AC R/W & EXC R/W |
| Legal Subdivision | COMSTOCK-SHAND PRCL |
| Legal Block | 2 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | CARMEL VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11001 |
Source: Monterey County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 25 RAMONA AVE, SAN FRANCISCO, CA 94103-2214 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2018 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Jun 22, 2020 | Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Jun 22, 2020 | Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK |
| Jan 30, 2018 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2020 · Amount on Record |
| Deed Sale | Jun 22, 2020 · Amount on Record |
| Deed Document Number | 202029628 |
| Prior Transfer Date | Jan 7, 1994 |
| Prior Transfer Doc | 0000004196 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 10 VISTA LADERA, CARMEL VALLEY, CA 93924-9423 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004990 |
|---|---|
| Date | Feb 6, 2018 |
| Instrument | 2018004990 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | MAHWAH, NJ 07495 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Feb 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 22, 2020 |
| Property Address | 10 VISTA LADERA, CARMEL VALLEY, CA 93924-9423 |
| Document Number | 0000029627 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 29627 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 10 VISTA LADERA CARMEL VALLEY CA 939249423, CARMEL VALLEY, CA 93924-9423 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 22, 2020 |
| Property Address | 10 VISTA LADERA, CARMEL VALLEY, CA 93924-9423 |
| Document Number | 0000029628 |
| Map Reference | VOL 12 PG 50 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 2020029628 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| 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 | 25 RAMONA AVE, SAN FRANCISCO, CA 94103-2214 |
| Document Number | 0000029629 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 2020029629 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.95% |
| Index | 1-Year CMT |
| Max Rate | 10.9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 10 VISTA LADERA, CARMEL VALLEY, CA 93924-9423 |
| Document Number | 0000004991 |
| Instrument Date | Jan 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 10 VISTA LADERA CARMEL VALLEY CA 939249423, CARMEL VALLEY, CA 93924-9423 |
| Document Number | 0000004991 |
|---|---|
| Date | Feb 6, 2018 |
| Instrument | 4991 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Carmel Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,398,360 (+2%) Land $1,059,740 Building $1,338,620 | |
| 2025 | $24,851.00 (+3.31%) | $2,351,334 (+4.04%) Land $1,038,961 Building $1,312,373 |
| 2023 | $24,054.00 (+3.39%) | $2,260,031 Land $998,618 Building $1,261,413 |
| 2022 | $23,266.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 92% of the US · above 75% of California |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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.
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