40 Upper Cir, Carmel Valley, CA 93924 Property Records

Monterey County property record for 40 Upper Cir, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,558 sqft · built 1940
Lot Size	3.01 acres (131,191 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Aug 1994)
Tax Bill	$1,931 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`189-491-005-000`

Property Details

APN / Parcel Number

Primary APN	`189-491-005-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,558 sqft Living Area
Gross Area	2,299 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Architectural Style	Other
Construction Type	Wood
Lot Area	131,191 sqft (3.01 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Street Address	40 UPPER CIR
City	CARMEL VALLEY
State	CA
Zip	93924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RO LOS LAURELES POR OF LOT 4 OF SUB O OF PAR 7 AS DESC IN R601 PG 1079 2.8 AC & RWS
Legal Subdivision	RO LOS LAURELES
Legal Lot Number	4
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	3
Census Block	3008
Census Tract	11001

Owner

Source: Monterey County records · APN 189-491-005-000

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 744, CARMEL VALLEY, CA 93924-0744
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 19, 1994 · Amount on Record
Deed Sale	Aug 19, 1994 · Amount on Record
Prior Sale	Mar 26, 2025
Deed Document Number	0000057876
Deed Book / Page	189
Record Updated	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	40 UPPER CIR, CARMEL VALLEY, CA 93924
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004153
Date	Feb 07, 2024
Instrument	2024004153

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Monterey County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Unified School District	Carmel Unified School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$1,931.00 (+3.32%)	$159,542 (+4.04%) Land $134,361 Building $25,181
2023	$1,869.00 (+3.15%)	$153,349 Land $129,145 Building $24,204
2022	$1,812.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	6 (1995–2023)
Most Recent Claim	Feb 2023 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 4 claims

Wildfire

Wildfire Risk	High above 83% of the US · above 62% of California
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Razzolink Fixed Wireless	500 / 250

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 47 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CAL AM WATER COMPANY - MONTEREY private · serves 128,928 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.