Monterey County property record for 12445 Saddle Rd, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,708 sqft · built 1977 |
| Lot Size | 0.427 acres (18,593 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $724,000 (Dec 2017) |
| Tax Bill | $9,266 (2025) |
| Deeds & Mortgages | Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 416-062-005-000 |
| Primary APN | 416-062-005-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,708 sqft Living Area |
| 1st Floor Area | 1,708 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Custom Design |
| Construction Type | Wood |
| Lot Area | 18,593 sqft (0.427 acres) |
| Garage Area | 574 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Central |
|---|
| Old Parcel Number | 416-062-005 |
|---|---|
| Street Address | 12445 SADDLE RD |
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924-9215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR 554 HIDDEN HILLS NO 3 LOT 8 BLK 1 & R/W |
| Legal Subdivision | HIDDEN HILLS NO 3 |
| Legal Tract | 554 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | CARMEL-BY-THE-SEA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 11606 |
12445 Saddle Rd is owner-occupied and held in a trust since November 2024.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 12445 SADDLE RD, CARMEL VALLEY, CA 93924-9215 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2017 · Amount on File |
| Deed Sale | Dec 29, 2017 · Amount on File |
| Prior Sale | Nov 2, 2011 · Amount on File |
| Deed Document Number | 201771890 |
| Last Transfer Date | Nov 21, 2024 |
| Transfer Doc | 0000047424 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Dec 29, 2017 |
| Property Address | 12445 SADDLE RD, CARMEL VALLEY, CA 93924-9215 |
| Document Number | 0000071890 |
| Map Reference | VOL9 PG31 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 2017071890 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 12445 SADDLE RD, CARMEL VALLEY, CA 93924-9215 |
| Document Number | 0000071891 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 2017071891 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Jan 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
The 2025 property tax bill for 12445 Saddle Rd was $9,266 with a homeowner's exemption.
Source: Monterey County assessment roll, as of August 6, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $840,258 (+2%) Land $348,173 Building $492,085 | |
| 2025 | $9,266.00 Homeowner's exemption | $823,784 Land $341,347 Building $482,437 |
| 2023 | $8,572.00 (-0.72%) Homeowner's exemption | $791,797 Land $328,093 Building $463,704 |
| 2022 | $8,634.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 12445 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 risk around 12445 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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