2 Cummings Dr, Carmel Valley, CA 93924 Property Records

Monterey County property record for 2 Cummings Dr, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,236 sqft · built 1967
Lot Size	0.511 acres (22,250 sqft)
Owner	Individual Name on Record
Last Sale	$890,000 (Sep 2023)
Tax Bill	$9,756 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`189-391-014-000`

Property Details

APN / Parcel Number

Primary APN	`189-391-014-000`
Alternative APN	`189-391-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	H-Shape
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,250 sqft (0.511 acres)
Garage Area	289 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	189-391-014
Street Address	2 CUMMINGS DR
City	CARMEL VALLEY
State	CA
Zip	93924-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MP OF RO LOS LAURELES VOLUME 1 A.M. PG 32 PARCEL B 0.578 AC NET
Legal Subdivision	MP OF RO LOS LAURELES
Legal Block	1
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1007
Census Tract	11002

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 16, 2019	Deed of Trust, Mortgage · Conventional with PMI SYNERGY ONE LNDG
May 16, 2019	Quit Claim Deed, Transfer · Conventional with PMI SYNERGY ONE LNDG
Apr 20, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Prior Sale	Apr 20, 2018 · Amount on Record
Deed Document Number	202327853
Prior Transfer Date	Oct 27, 2016
Prior Transfer Doc	0000066170
Record Updated	Oct 29, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 7, 2023
Property Address	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000027853
Instrument Date	Aug 28, 2023
Instrument	2023027853
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754

Mortgage

Document Number	0000027854
Date	Sep 7, 2023
Instrument	2023027854

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000061133
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2 CUMMINGS DR CARMEL VALLEY CA 939249754, CARMEL VALLEY, CA 93924-9754

Mortgage

Document Number	0000061133
Date	Dec 23, 2019
Instrument	61133

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	May 16, 2019
Property Address	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000019488
Instrument Date	May 8, 2019
Instrument	19488
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	CHICAGO TITLE SALINAS

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2 CUMMINGS DR CARMEL VALLEY CA 939249754, CARMEL VALLEY, CA 93924-9754

Mortgage

Document Number	19489
Date	May 16, 2019
Instrument	19489

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Apr 20, 2018
Property Address	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000016884
Instrument Date	Apr 17, 2018
Instrument	2018016884
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE CO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	2 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754

Mortgage

Document Number	0000016885
Date	Apr 20, 2018
Instrument	2018016885

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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		$925,956 (+2%) Land $624,240 Building $301,716
2025	$9,756.00 (+26.24%)	$907,800 (+27.7%) Land $612,000 Building $295,800
2023	$7,728.00 (+3.33%) Homeowner's exemption	$710,867 Land $546,822 Building $164,045
2022	$7,479.00

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

Flood

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 Record median of 42 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	42 in force
Nearby Flood Claims	2 (1995)
Most Recent Claim	Mar 1995 · Severe Winter Storms, Flooding Landslides, Mud Flow

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

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

Wildfire Risk	High above 84% of the US · above 63% 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.

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 101 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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