3 Vista Ladera, Carmel Valley, CA 93924 Property Records

Monterey County property record for 3 Vista Ladera, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,735 sqft · built 1990
Lot Size	2.23 acres (97,574 sqft)
Owner	Company Name on Record
Tax Bill	$12,658 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`187-111-006-000`

Property Details

APN / Parcel Number

Primary APN	`187-111-006-000`
Alternative APN	`187-111-006`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	18 Rooms
Stories	2 Stories
Building Area	4,735 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	H-Shape
Construction Type	Wood
Roof Type	Gable
Roof Material	Other
Lot Area	97,574 sqft
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	187-111-006
Street Address	3 VISTA LADERA
City	CARMEL VALLEY
State	CA
Zip	93924-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 2 ASSRS MP OF RO LOS LAURELES LOT 3 OF SUB C OF LOTS 2 & LOT 5 OF SUB D OF L 2 EXC SUBS A & B OF LOT 5 OF SUB D OF LOT 2 2.24 AC
Legal Subdivision	MP OF RO LOS LAURELES
Legal Block	2
Legal Lot Number	3,2,5
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2001
Census Tract	11001

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	Company Name on Record
Mailing Address	PO BOX 3044, MONTEREY, CA 93942-3044
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit EAST COAST COMMUNITY BANK
Feb 1, 2023	Deed of Trust, Mortgage · Line of Credit COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 9, 2004
Transfer Doc	0000012782
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	May 28, 2026
Property Address	3 VISTA LADERA, CARMEL VALLEY, CA 93924-9423
Document Number	0000018029
Instrument Date	May 20, 2026
Instrument	202618029
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	3 VISTA LADERA, CARMEL VALLEY, CA 93924-9423

Mortgage

Document Number	0000018029,
Date	May 28, 2026
Instrument	202618029

Lender

Name	EAST COAST COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	3 VISTA LADERA, CARMEL VALLEY, CA 93924-9423
Transaction Type	Mortgage
Record Updated	Feb 13, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 VISTA LADERA, CARMEL VALLEY, CA 93924-9423

Mortgage

Document Number	0000002959
Date	Feb 1, 2023
Instrument	2023002959

Lender

Name	COGENT BANK
Type	Bank
Address	SALINAS, CA 93901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,216,145 (+2%) Land $287,098 Building $929,047
2025	$12,658.00 (+1.87%) Homeowner's exemption	$1,192,300 (+4.04%) Land $281,469 Building $910,831
2023	$12,426.00 (+3.33%) Homeowner's exemption	$1,146,003 Land $270,540 Building $875,463
2022	$12,026.00

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
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

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

Wildfire Risk	High above 86% of the US · above 66% 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 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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