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118 Rancho Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 118 Rancho Rd, Carmel Valley, CA 93924 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,219 sqft · built 1962
Lot Size1.13 acres (49,222 sqft)
Owner2 Individual Names on File
Last Sale$1,200,000 (Sep 2015)
Tax Bill$15,045 (2025)
Deeds & MortgagesAug 2023 Line of Credit
Oct 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN187-211-014-000

Property Details

APN / Parcel Number

Primary APN187-211-014-000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,219 sqft Living Area
Gross Area2,754 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Architectural StyleOther
Construction TypeWood
Lot Area49,222 sqft (1.13 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemBaseboard

Location & Zoning

Street Address118 RANCHO RD
CityCARMEL VALLEY
StateCA
Zip93924-9405
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTR 141 RANCHO DEL MONTE NO 1 POR OF LOTS 2 & 3 BLK 3 AS DESC IN VOL 1979 PG 438 MTY CO 1.13 AC
Legal SubdivisionRANCHO DEL MONTE SUBDIVISION #01
Legal Tract141
Legal Block3
Legal Lot Number2,3 3
JurisdictionMONTEREY CA
Township / Civil DivisionCARMEL VALLEY
Census Block Group2
Census Block2001
Census Tract11001

Owner

Source: Monterey County records · APN 187-211-014-000

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address118 RANCHO RD, CARMEL VALLEY, CA 93924-9405
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 14, 2023Deed of Trust, Mortgage · Line of Credit
SYNERGY ONE LENDING
Oct 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
SYNERGY ONE LENDING
Nov 22, 2019Deed of Trust, Mortgage
SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 04, 2015 · Amount on Record
Deed SaleSep 04, 2015 · Amount on Record
Prior SaleJun 07, 2002
Deed Document Number2015050200
Record UpdatedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address118 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Transaction TypeMortgage
Record UpdatedAug 25, 2023
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 RANCHO RD, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number0000025097
DateAug 14, 2023
Instrument2023025097
Lender
NameSYNERGY ONE LENDING
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 13, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address118 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Transaction TypeMortgage
Record UpdatedJan 17, 2022
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 RANCHO RD, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number0000072593
DateOct 22, 2021
Instrument2021072593
Lender
NameSYNERGY ONE LENDING
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTEREY CA
Property Address118 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number0000056519
Instrument DateNov 22, 2019
Transaction TypeMortgage
Record UpdatedDec 12, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address118 RANCHO RD CARMEL VALLEY CA 939249405, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number0000056519
DateNov 27, 2019
Instrument56519
Lender
NameSYNERGY ONE LNDG
AddressSAN DIEGO, CA 92108
Agreement
AmountAmount Recorded
Term360 Months
DueNov 26, 2049

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateCalifornia
CountyMonterey County
Unified School DistrictCarmel Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$15,045.00 (+2.82%) Homeowner's exemption$1,420,551 (+4.04%) Land $769,465 Building $651,086
2023$14,633.00 (+3.37%) Homeowner's exemption$1,365,391 Land $739,587 Building $625,804
2022$14,156.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monterey County (06053C), updated July 15, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060530110012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskHigh
above 80% of the US · above 57% of California
Wildfire LikelihoodAbout 1 in 174 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 96 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
RazzolinkFixed Wireless (unlicensed)500 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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