21 E Garzas Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 21 E Garzas Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,641 sqft · built 2001
Lot Size	1.04 acres (45,309 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (May 1999)
Tax Bill	$10,023 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`189-141-017-000`

Property Details

APN / Parcel Number

Primary APN	`189-141-017-000`
Alternative APN	`189-141-017`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,641 sqft Living Area
1st Floor Area	2,641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	L-Shape
Construction Type	Wood
Lot Area	45,309 sqft
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	189-141-017
Street Address	21 E GARZAS RD
City	CARMEL VALLEY
State	CA
Zip	93924-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RANCHO DEL MONTE NO 6 LOT 6 BLK 2
Legal Subdivision	RANCHO DEL MONTE NO 6
Legal Block	2
Legal Lot Number	6
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 4395, SALINAS, CA 93912-4395
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 27, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 1999 · Amount on Record
Deed Sale	May 21, 1999 · Amount on Record
Prior Sale	Jan 12, 1998 · Amount on Record
Deed Document Number	199938754
Last Transfer Date	Apr 21, 2003
Transfer Doc	0000049181
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	21 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E GARZAS RD, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000003774
Date	Feb 5, 2024
Instrument	2024003774

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 30, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	21 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E GARZAS RD, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000074939
Date	Nov 2, 2021
Instrument	2021074939

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	7%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	21 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000002143
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Feb 8, 2018
Title Company	TSI ESCROW - CERRITOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E GARZAS RD CARMEL VALLEY CA 939249450, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000002143
Date	Jan 19, 2018
Instrument	2143

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.35%

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		$959,168 (+2%) Land $479,710 Building $479,458
2025	$10,023.00 (+2.23%) Homeowner's exemption	$940,361 (+4.04%) Land $470,304 Building $470,057
2023	$9,804.00 (+3.34%) Homeowner's exemption	$903,848 Land $452,043 Building $451,805
2022	$9,487.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 74% of the US · above 49% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 11 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Garzas Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures