11630 McCarthy Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 11630 McCarthy Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,193 sqft · built 1981
Lot Size	3.14 acres (137,026 sqft)
Owner	2 Company Names on Record
Tax Bill	$9,327 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`416-092-009-000`

Property Details

APN / Parcel Number

Primary APN	`416-092-009-000`
Alternative APN	`416-092-009`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,193 sqft Living Area
1st Floor Area	2,193 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	137,026 sqft
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	416-092-009
Street Address	11630 MCCARTHY RD
City	CARMEL VALLEY
State	CA
Zip	93924-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILLS SUBD TR 459 T16 R2E LOT 9
Legal Subdivision	HIDDEN HILLS SUBD
Legal Tract	459
Legal Block	1
Legal Lot Number	9
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL-BY-THE-SEA
Census Block Group	1
Census Block	1001
Census Tract	11606

Owner

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	2 Company Names on Record
Mailing Address	11630 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 1999
Deed Sale	Sep 3, 1999
Prior Sale	Jul 18, 1996 · Amount on Record
Deed Document Number	199966679
Prior Transfer Date	Jul 6, 1995
Prior Transfer Doc	0000037827
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11630 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Transaction Type	Mortgage
Record Updated	Jul 20, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11630 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206

Mortgage

Document Number	0000025218
Date	Jun 2, 2022
Instrument	2022025218

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Mar 1, 2037

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11630 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Transaction Type	Mortgage
Record Updated	Mar 14, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11630 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206

Mortgage

Document Number	0000010115
Date	Mar 1, 2022
Instrument	2022010115

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

Tax Assessment & Valuation

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		$845,759 (+2%) Land $470,302 Building $375,457
2025	$9,327.00 (+8.09%) Homeowner's exemption	$829,177 (+4.04%) Land $461,081 Building $368,096
2023	$8,629.00 (-0.71%) Homeowner's exemption	$796,981 Land $443,178 Building $353,803
2022	$8,691.00

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 · 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

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

Wildfire Risk	High above 83% of the US · above 62% of California
Wildfire Likelihood	0.6% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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