128 Rancho Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 128 Rancho Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,136 sqft · built 1955
Lot Size	1.05 acres (45,738 sqft)
Owner	Trust Name on File
Last Sale	$3,500,000 (Jul 2023)
Tax Bill	$37,522 (2025)
Deeds & Mortgages	Jul 2023 Sale Dec 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`187-211-011-000`

Property Details

APN / Parcel Number

Primary APN	`187-211-011-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,136 sqft Living Area
1st Floor Area	3,136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	45,738 sqft
Garage Area	769 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	128 RANCHO RD
City	CARMEL VALLEY
State	CA
Zip	93924-9405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORS OF LOTS 2 3 & 4 BLK 3 AS DESC IN VOL 1872 PG 232 OR MTRY CO 1.15 AC
Legal Subdivision	LOS LAURELES RHO
Legal Block	3
Legal Lot Number	2
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2001
Census Tract	11001

Owner

128 Rancho Rd is owner-occupied and held in a trust since July 2023.

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

Owner of Record	Trust Name on File
Mailing Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jul 14, 2023	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 14, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 18, 2019	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Mar 25, 2019	Grant Deed, Transfer · ARM MUFG UNION BANK NA
Aug 28, 2018	Quit Claim Deed, Transfer OTHER
Oct 24, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Sep 14, 2021 · Amount on File
Deed Document Number	202321450
Prior Transfer Date	Apr 23, 1997
Prior Transfer Doc	0000024231
Record Updated	Oct 29, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jul 14, 2023
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number	0000021450
Map Reference	MB 4 PG 113
Instrument Date	Jul 5, 2023
Instrument	2023021450
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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	Family Trust
Address	225 THE CROSSROADS BLVD, CARMEL, CA 93923-8674

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number	0000084462
Date	Dec 20, 2021
Instrument	2021084462

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Jun 1, 2051

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 14, 2021
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number	0000061440
Map Reference	MB 4 PG 113
Instrument Date	Sep 1, 2021
Instrument	2021061440
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Family Trust
Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number	0000061441
Date	Sep 14, 2021
Instrument	2021061441

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number	0000011371
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 222352 CARMEL CA 939222352, CARMEL, CA 93922-2352

Mortgage

Document Number	0000011371
Date	Mar 25, 2019
Instrument	11371

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2049

Interest

Rate Type	Adjustable Rate

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 25, 2019
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number	0000011369
Map Reference	MB 4 PG 113
Instrument Date	Mar 12, 2019
Instrument	2019011369
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY SALINA

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number	0000011370
Date	Mar 25, 2019
Instrument	2019011370

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	10%

Mortgage

Document Number	0000011371
Date	Mar 25, 2019
Instrument	2019011371

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 28, 2018
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number	0000038095
Instrument Date	Aug 21, 2018
Instrument	38095
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	128 RANCHO RD CARMEL VALLEY CA 939249405, CARMEL VALLEY, CA 93924-9405

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Oct 24, 2017
Property Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405
Document Number	0000059340
Map Reference	MB4 PG113
Instrument Date	Oct 16, 2017
Instrument	2017059340
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 RANCHO RD, CARMEL VALLEY, CA 93924-9405

Mortgage

Document Number	0000059341
Date	Oct 24, 2017
Instrument	2017059341

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 128 Rancho Rd was $37,522 with a homeowner's exemption.

Source: Monterey County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Unified School District	Carmel Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,641,400 (+2%) Land $1,768,680 Building $1,872,720
2025	$37,522.00 Homeowner's exemption	$3,570,000 Land $1,734,000 Building $1,836,000
2023	$19,580.00 (+3.38%) Homeowner's exemption	$1,836,000 (+2%) Land $918,000 Building $918,000
2022	$18,940.00 Homeowner's exemption	$1,800,000 Land $900,000 Building $900,000

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

Flood

FEMA maps place 128 Rancho Rd in Zone X, an area of minimal flood risk.

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	3 in force

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 128 Rancho Rd is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 57% of California
Wildfire Likelihood	0.6% 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 - MONTEREY private · serves 128,928 people · EPA ID CA2710004
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	1 ppb (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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: Verizon.

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