4 Panetta Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 4 Panetta Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,728 sqft · built 1956
Lot Size	1.07 acres (46,818 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,815 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`189-171-008-000`

Property Details

APN / Parcel Number

Primary APN	`189-171-008-000`
Alternative APN	`189-171-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,728 sqft Living Area
1st Floor Area	2,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Tar & Gravel
Lot Area	46,818 sqft
Garage Area	1,209 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	189-171-008
Street Address	4 PANETTA RD
City	CARMEL VALLEY
State	CA
Zip	93924-9452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR # 3 RO LOS LAURELES SUB A OF LOT 1 OF SUB 5 OF LOT 4B EXC POR DESC IN VOL 1904 PG 430 O R MTRY CO 1 AC NET
Legal Subdivision	PAR # 3 RO LOS LAURELES SUB A
Legal Block	1
Legal Lot Number	1,4B
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1003
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	2 Individual Names on Record
Mailing Address	4 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 1996
Deed Sale	Jul 10, 1996
Deed Document Number	199640721
Deed Book / Page	3393 / 15
Prior Transfer Date	Jun 24, 1994
Prior Transfer Doc	0000048104
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	4 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SALINA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065420
Date	Nov 28, 2017
Instrument	2017065420

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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		$931,672 (+2%) Land $332,233 Building $599,439
2025	$9,815.00 (+2.43%)	$913,405 (+4.04%) Land $325,719 Building $587,686
2023	$9,582.00 (+3.32%)	$877,938 Land $313,072 Building $564,866
2022	$9,274.00

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 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	20 (1998–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 9 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 7 claims

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	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% 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 124 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
Verizon Fixed Wireless	300 / 20