11650 McCarthy Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 11650 McCarthy Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,582 sqft · built 1973
Lot Size	3.01 acres (131,506 sqft)
Owner	Individual Name on Record
Last Sale	$1,000,000 (May 2021)
Tax Bill	$12,194 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`416-092-007-000`

Property Details

APN / Parcel Number

Primary APN	`416-092-007-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,582 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	131,506 sqft
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	11650 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 LOT 7
Legal Subdivision	HIDDEN HILLS SUBD
Legal Tract	459
Legal Block	1
Legal Lot Number	7
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	Individual Name on Record
Mailing Address	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 7, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 3, 2021	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on Record
Deed Sale	May 3, 2021 · Amount on Record
Deed Document Number	202131804
Last Transfer Date	Dec 14, 2021
Transfer Doc	0000006422
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206

Mortgage

Document Number	0000022368
Date	May 12, 2022
Instrument	2022022368

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Feb 7, 2022
Property Address	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Document Number	0000006422
Map Reference	VOL 8 PG 16
Instrument Date	Dec 14, 2021
Instrument	2022006422
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206

Mortgage

Document Number	0000006423
Date	Feb 7, 2022
Instrument	2022006423

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 3, 2021
Property Address	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206
Document Number	0000031804
Map Reference	VOL 8 PG 16
Instrument Date	Apr 16, 2021
Instrument	2021031804
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Community Property with Right of Survivorship
Address	11650 MCCARTHY RD, CARMEL VALLEY, CA 93924-9206

Mortgage

Document Number	0000031805
Date	May 3, 2021
Instrument	2021031805

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0000031806
Date	May 3, 2021
Instrument	2021031806

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99519

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,104,078 (+2%) Land $662,447 Building $441,631
2025	$12,194.00 (+7.37%) Homeowner's exemption	$1,082,430 (+4.04%) Land $649,458 Building $432,972
2023	$11,357.00 (-0.74%)	$1,040,400 Land $624,240 Building $416,160
2022	$11,442.00

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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