12288 Saddle Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 12288 Saddle Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,838 sqft · built 1969
Lot Size	0.488 acres (21,259 sqft)
Owner	Individual Name on File
Last Sale	$1,775,000 (May 2023)
Tax Bill	$20,923 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`416-061-021-000`

Property Details

APN / Parcel Number

Primary APN	`416-061-021-000`
Alternative APN	`416-061-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,838 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	21,259 sqft (0.488 acres)
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	416-061-021
Street Address	12288 SADDLE RD
City	CARMEL VALLEY
State	CA
Zip	93924-9212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 554 HIDDEN HILLS NO 3 LOT 9 BLK 3 & RW
Legal Subdivision	HIDDEN HILLS NO 3
Legal Tract	554
Legal Block	3
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

12288 Saddle Rd is owned by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	580 ANTON BLVD, 332, COSTA MESA, CA 92626-1998
Owner Type	Individual

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
May 30, 2023	Grant Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 12, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY CA
Feb 12, 2021	Intrafamily Transfer, Transfer · Line of Credit MONTEREY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Prior Sale	Mar 19, 2013
Deed Document Number	202316220
Prior Transfer Date	Sep 7, 1995
Prior Transfer Doc	0000047757
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 30, 2023
Property Address	12288 SADDLE RD, CARMEL VALLEY, CA 93924-9212
Document Number	0000016220
Map Reference	VOL 9 PG 31
Instrument Date	May 16, 2023
Instrument	2023016220
Transaction Type	Transfer
Record Updated	Jun 9, 2023
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	1 CITY BLVD W STE 860, 860, ORANGE, CA 92868-3661

Mortgage

Document Number	0000016221
Date	May 30, 2023
Instrument	2023016221

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Feb 12, 2021
Property Address	12288 SADDLE RD, CARMEL VALLEY, CA 93924-9212
Document Number	0000011285
Map Reference	VOL 9 PG 31
Instrument Date	Dec 24, 2020
Instrument	2021011285
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY CA

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	Living Trust
Address	12288 SADDLE RD, CARMEL VALLEY, CA 93924-9212

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Feb 12, 2021
Property Address	12288 SADDLE RD, CARMEL VALLEY, CA 93924-9212
Document Number	0000011283
Map Reference	VOL 9 PG 31
Instrument Date	Dec 24, 2020
Instrument	2021011283
Transaction Type	Transfer
Record Updated	Aug 19, 2021
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
Address	12288 SADDLE RD, CARMEL VALLEY, CA 93924-9212

Mortgage

Document Number	0000011284
Date	Feb 12, 2021
Instrument	2021011284

Lender

Name	MONTEREY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 12, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12288 Saddle Rd was $20,923.

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		$1,883,644 (+2%) Land $530,604 Building $1,353,040
2025	$20,923.00	$1,846,710 Land $520,200 Building $1,326,510
2023	$10,584.00 (-0.72%) Homeowner's exemption	$976,469 Land $384,668 Building $591,801
2022	$10,661.00

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

Flood

FEMA maps place 12288 Saddle 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 12288 Saddle Rd is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.5% 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 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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