Monterey County property record for 4 Cummings Dr, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,501 sqft · built 1967 |
| Lot Size | 0.446 acres (19,445 sqft) |
| Owner | Trust Name on File |
| Last Sale | $530,000 (Aug 2012) |
| Tax Bill | $7,088 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-391-015-000 |
| Primary APN | 189-391-015-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,501 sqft Living Area |
| 1st Floor Area | 1,501 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | H-Shape |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 19,445 sqft (0.446 acres) |
| Garage Area | 505 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Old Parcel Number | 189-391-015 |
|---|---|
| Street Address | 4 CUMMINGS DR |
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MP OF RO LOS LAURELES VOLUME 1 A.M. PG 32 PARCEL A 0.48 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 |
4 Cummings Dr is held in a trust since December 2012.
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 | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 82, CARMEL VALLEY, CA 93924-0082 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2012 · Amount on File |
| Deed Sale | Aug 13, 2012 · Amount on File |
| Prior Sale | Nov 10, 1994 · Amount on File |
| Deed Document Number | 201246831 |
| Last Transfer Date | Dec 13, 2012 |
| Transfer Doc | 0000078103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 4 CUMMINGS DR, CARMEL VALLEY, CA 93924 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 14 CUMMINS DR, CARMEL VALLEY, CA 93924-9754 |
| Document Number | 0000045197 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021045197 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
The 2025 property tax bill for 4 Cummings Dr was $7,088.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Carmel Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $665,695 (+2%) Land $471,013 Building $194,682 | |
| 2025 | $7,088.00 | $652,643 Land $461,778 Building $190,865 |
| 2023 | $6,932.00 (+3.31%) | $627,302 Land $443,848 Building $183,454 |
| 2022 | $6,710.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4 Cummings Dr 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 risk around 4 Cummings Dr is high, ranking above 84% 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 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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