17108 Ridgeback Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 17108 Ridgeback Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 3,987 sqft · built 1998
Lot Size	5.5 acres (239,580 sqft)
Owner	Trust Name on File
Last Sale	$2,450,000 (Jan 2022)
Tax Bill	$23,345 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`197-161-022-000`

Property Details

APN / Parcel Number

Primary APN	`197-161-022-000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	3,987 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	H-Shape
Construction Type	Wood
Lot Area	239,580 sqft
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	17108 RIDGEBACK RD
City	CARMEL VALLEY
State	CA
Zip	93924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSRS MP LOS TULARCITOS RO POR OFL B8 AS DESC IN R744 PG272 EXC WLY POR DESC IN R757-847 & EXC THE NELY 2.3 AC PAR RW & EXC RW 5.5 AC APRX
Legal Subdivision	RUSSELL RANCH/LOS TULARCITOS
Legal Block	2
Legal Lot Number	TULAR
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2014
Census Tract	11002

Owner

17108 Ridgeback Rd is held in a trust since January 2022.

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

Owner of Record	Trust Name on File
Mailing Address	2630 DIVISADERO ST, SAN FRANCISCO, CA 94123-4621
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
Aug 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jan 24, 2022	Grant Deed, Transfer CHICAGO TITLE COMPANY
Sep 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 26, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Oct 18, 2017	Deed of Trust, Mortgage BANK OF AMERICA
Apr 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2022 · Amount on File
Deed Sale	Jan 24, 2022 · Amount on File
Prior Sale	Mar 26, 1997 · Amount on File
Deed Document Number	20223414
Prior Transfer Date	Aug 22, 2020
Prior Transfer Doc	0000052380
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2630 DIVISADERO ST, SAN FRANCISCO, CA 94123-4621

Mortgage

Document Number	0000034733
Date	Aug 18, 2022
Instrument	2022034733

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	Other
Margin	3
Max Rate	7.75%

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 24, 2022
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Document Number	0000003414
Instrument Date	Jan 14, 2022
Instrument	2022003414
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	2630 DIVISADERO ST, SAN FRANCISCO, CA 94123-4621

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 30, 2020
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Document Number	0000052381
Instrument Date	Sep 10, 2020
Instrument	52381
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 547 CARMEL VALLEY CA 939240547, CARMEL VALLEY, CA 93924-0547

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 30, 2020
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Document Number	0000052380
Instrument Date	Aug 22, 2020
Instrument	52380
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 547 CARMEL VALLEY CA 939240547, CARMEL VALLEY, CA 93924-0547

May 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTEREY CA
Recording Date	May 26, 2020
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Document Number	0000024807
Instrument Date	Apr 19, 2020
Instrument	24807
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	17108 RIDGEBACK RD CARMEL VALLEY CA 93924, CARMEL VALLEY, CA 93924

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Document Number	0000060431
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	TITLE RSRCS INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	17108 RIDGEBACK RD CARMEL VALLEY CA 93924, CARMEL VALLEY, CA 93924

Mortgage

Document Number	0000060431
Date	Oct 27, 2017
Instrument	60431

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 3, 2017
Property Address	17108 RIDGEBACK RD, CARMEL VALLEY, CA 93924
Document Number	0000017657
Instrument Date	Mar 7, 2017
Instrument	17657
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 547 CARMEL VALLEY CA 939240547, CARMEL VALLEY, CA 93924-0547

Tax Assessment & Valuation

The 2025 property tax bill for 17108 Ridgeback Rd was $23,345.

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		$2,273,106 (+2%) Land $541,216 Building $1,731,890
2025	$23,345.00	$2,228,536 Land $530,604 Building $1,697,932
2023	$22,556.00 (+141.68%)	$2,142,000 Land $510,000 Building $1,632,000
2022	$9,333.00

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

Flood

FEMA maps place 17108 Ridgeback 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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2023)
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 17108 Ridgeback Rd is high, ranking above 85% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 85% of the US · above 65% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Razzolink Fixed Wireless	500 / 250

May also be available: AT&T, T-Mobile, Verizon.

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