11605 McCarthy Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 11605 McCarthy Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,087 sqft · built 1978
Lot Size	3.48 acres (151,928 sqft)
Owner	Individual Name on File
Last Sale	$1,640,000 (Feb 2026)
Tax Bill	$8,485 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Feb 2017 Line of Credit + 9 more
Flood Zone	Zone X (minimal risk)
APN	`416-092-012-000`

Property Details

APN / Parcel Number

Primary APN	`416-092-012-000`
Alternative APN	`416-092-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	3,087 sqft Living Area
1st Floor Area	3,087 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	151,928 sqft
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	416-092-012
Street Address	11605 MCCARTHY RD
City	CARMEL VALLEY
State	CA
Zip	93924-9207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILLS SUBD TR 459 LOT 12 RW & EXC RW
Legal Subdivision	HIDDEN HILLS SUBD
Legal Tract	459
Legal Block	1
Legal Lot Number	12
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL-BY-THE-SEA
Census Block Group	1
Census Block	1001
Census Tract	11606

Owner

11605 McCarthy Rd is owned and occupied by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Feb 26, 2026	Grant Deed, Transfer · Conventional Mortgage GENISYS CU
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Mar 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Mar 26, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
May 29, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
May 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Sep 30, 2019	Quit Claim Deed, Transfer · Conventional Mortgage SYNERGY ONE LNDG
Sep 30, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Dec 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Deed Document Number	20266290
Prior Transfer Date	Feb 7, 2025
Prior Transfer Doc	0000005038
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Feb 26, 2026
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000006290
Map Reference	VOL 8 PG 16
Instrument Date	Feb 18, 2026
Instrument	2026006290
Transaction Type	Transfer
Record Updated	Mar 9, 2026
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	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207

Mortgage

Document Number	0000006291
Date	Feb 26, 2026
Instrument	2026006291

Lender

Name	GENISYS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	30%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.3%

Mortgage

Document Number	0000006292
Date	Feb 26, 2026
Instrument	2026006292

Lender

Name	MONTAGE HEALTH PROPERTIES LLC
Type	Non-Lending Institution
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount on Record

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008017
Date	Feb 10, 2017
Instrument	2017008017

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	419 Months
Due	Jan 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	ALL COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020359
Date	May 10, 2018
Instrument	2018020359

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 26, 2021
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000022075
Map Reference	VOL 8 PG 16
Instrument Date	Feb 8, 2021
Instrument	2021022075
Transaction Type	Transfer
Record Updated	Jan 17, 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
Relationship	Community Property with Right of Survivorship
Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207

Mortgage

Document Number	0000022076
Date	Mar 26, 2021
Instrument	2021022076

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

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

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 26, 2021
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000022077
Map Reference	VOL 8 PG 16
Instrument Date	Feb 8, 2021
Instrument	2021022077
Transaction Type	Transfer
Record Updated	Jun 7, 2023
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
Relationship	Family Trust
Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	May 29, 2020
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000025662
Instrument Date	May 18, 2020
Instrument	25662
Transaction Type	Transfer
Record Updated	Jun 11, 2020
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	Personal Trust
Address	11605 MCCARTHY RD CARMEL VALLEY CA 939249207, CARMEL VALLEY, CA 93924-9207

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	May 29, 2020
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000025660
Map Reference	VOL 8 PG 16
Instrument Date	May 18, 2020
Instrument	2020025660
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE

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
Relationship	Community Property with Right of Survivorship
Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207

Mortgage

Document Number	0000025661
Date	May 29, 2020
Instrument	2020025661

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 30, 2019
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000043315
Instrument Date	Sep 24, 2019
Instrument	43315
Transaction Type	Transfer
Record Updated	Oct 14, 2019
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	11605 MCCARTHY RD CARMEL VALLEY CA 939249207, CARMEL VALLEY, CA 93924-9207

Mortgage

Document Number	43316
Date	Sep 30, 2019
Instrument	43316

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 30, 2019
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000043317
Instrument Date	Sep 24, 2019
Instrument	43317
Transaction Type	Transfer
Record Updated	Oct 14, 2019
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	Personal Trust
Address	11605 MCCARTHY RD CARMEL VALLEY CA 939249207, CARMEL VALLEY, CA 93924-9207
Investor	Possibly a Property Investor

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 19, 2017
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000069687
Instrument Date	Nov 30, 2017
Instrument	69687
Transaction Type	Transfer
Record Updated	Jan 19, 2018
Title Company	ATTORNEY ONLY

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	11605 MCCARTHY RD CARMEL VALLEY CA 939249207, CARMEL VALLEY, CA 93924-9207

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 19, 2017
Property Address	11605 MCCARTHY RD, CARMEL VALLEY, CA 93924-9207
Document Number	0000069688
Instrument Date	Nov 30, 2017
Instrument	69688
Transaction Type	Transfer
Record Updated	Jan 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11605 MCCARTHY RD CARMEL VALLEY CA 939249207, CARMEL VALLEY, CA 93924-9207
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 11605 McCarthy Rd was $8,485.

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

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Secondary School District	Salinas Union High School District (07 - 12)
Elementary School District	Washington Union Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$769,888 (+2%) Land $254,154 Building $515,734
2025	$8,485.00 Homeowner's exemption	$754,793 Land $249,171 Building $505,622
2023	$7,850.00 (-0.71%) Homeowner's exemption	$725,486 Land $239,497 Building $485,989
2022	$7,906.00

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 11605 McCarthy 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
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 11605 McCarthy Rd is high, ranking above 86% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 86% of the US · above 67% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

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	CAL AM WATER COMPANY - HIDDEN HILLS private · serves 1,521 people · EPA ID CA2710022
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2024–2026) 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio, Spectrum, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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