224 Punta del Monte, Carmel Valley, CA 93924 Property Records

Monterey County property record for 224 Punta del Monte, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,980 sqft · built 2008
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$715,000 (Apr 2007)
Tax Bill	$16,106 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`189-441-003-000`

Property Details

APN / Parcel Number

Primary APN	`189-441-003-000`
Alternative APN	`189-441-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
1st Floor Area	1,980 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Construction Type	Wood
Lot Area	34,848 sqft (0.8 acres)
Garage Area	908 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	189-441-003
Street Address	224 PUNTA DEL MONTE
City	CARMEL VALLEY
State	CA
Zip	93924-9729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROBLES DEL RIO CARMELO SUBD 2 LOT 175
Legal Subdivision	ROBLES DEL RIO CARMELO SUBD 2
Legal Block	1
Legal Lot Number	175
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1011
Census Tract	11002

Owner

224 Punta del Monte is owned and occupied by an individual who bought it in April 2007.

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

Owner of Record	Individual Name on File
Mailing Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729
Occupancy	Owner Occupied
Owner Type	Individual

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
May 7, 2026	Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Feb 23, 2021	Grant Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 23, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Oct 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANLOCK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2007 · Amount on File
Deed Sale	Apr 6, 2007 · Amount on File
Prior Sale	Jul 13, 2000 · Amount on File
Deed Document Number	200727828
Prior Transfer Date	Apr 20, 2000
Prior Transfer Doc	0000030450
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	May 7, 2026
Property Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729
Document Number	0000015261
Instrument Date	Apr 30, 2026
Instrument	202615261
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729

Mortgage

Document Number	0000015261,
Date	May 7, 2026
Instrument	202615261

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Feb 23, 2021
Property Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729
Document Number	0000013657
Map Reference	VOL 3 PG 48
Instrument Date	Jan 8, 2021
Instrument	2021013657
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4795 REGENT BLVD, IRVING, TX 75063-2466

Mortgage

Document Number	0000013658
Date	Feb 23, 2021
Instrument	2021013658

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Feb 23, 2021
Property Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729
Document Number	0000013659
Map Reference	VOL 3 PG 48
Instrument Date	Jan 8, 2021
Instrument	2021013659
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	224 PUNTA DEL MONTE, CARMEL VALLEY, CA 93924-9729
Document Number	0000061134
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1125 CARMEL VALLEY CA 939241125, CARMEL VALLEY, CA 93924-1125

Mortgage

Document Number	0000061134
Date	Oct 31, 2017
Instrument	61134

Lender

Name	LOANLOCK
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 224 Punta del Monte was $16,106, up 2.9% from the year before.

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		$1,545,329 (+2%) Land $977,104 Building $568,225
2025	$16,106.00 (+2.93%)	$1,515,030 Land $957,946 Building $557,084
2024	$15,648.00 (+0.53%)
2023	$15,565.00 (+3.38%)	$1,456,201 Land $920,749 Building $535,452
2022	$15,056.00

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

Flood

FEMA maps place 224 Punta del Monte in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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 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

Wildfire risk around 224 Punta del Monte is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 47% of California
Wildfire Likelihood	0.4% 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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