Monterey County property record for 41 E Garzas Rd, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,873 sqft · built 2005 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Company Name on Record |
| Last Sale | $325,000 (Jul 2001) |
| Tax Bill | $15,333 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2022 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 189-141-011-000 |
| Primary APN | 189-141-011-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 13 Rooms |
| Stories | 1 Story |
| Building Area | 2,873 sqft Living Area |
| 1st Floor Area | 2,873 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Other |
| Construction Type | Wood |
| Lot Area | 44,867 sqft |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 189-141-011 |
|---|---|
| Street Address | 41 E GARZAS RD |
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924-9450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RANCHO DEL MONTE 10 BLK 2 |
| Legal Subdivision | RANCHO DEL MONTE |
| Legal Block | 2 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | CARMEL VALLEY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 11002 |
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 | 41 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STAR ONE CU |
| Apr 19, 2022 | Deed of Trust, Mortgage · Line of Credit STAR ONE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2001 · Amount on Record |
| Deed Sale | Jul 19, 2001 · Amount on Record |
| Prior Sale | Jun 27, 1997 · Amount on Record |
| Deed Document Number | 200159637 |
| Last Transfer Date | Jun 18, 2008 |
| Transfer Doc | 0000043933 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 41 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 41 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Document Number | 0000021356 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 2021021356 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 41 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 41 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Document Number | 0000018864 |
|---|---|
| Date | Apr 19, 2022 |
| Instrument | 2022018864 |
| Name | STAR ONE CU |
|---|---|
| Type | Credit Union |
| Address | SUNNYVALE, CA 94088 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 302 Months |
| Due | Jun 21, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,477,119 (+2%) Land $491,822 Building $985,297 | |
| 2025 | $15,333.00 (+3.5%) Homeowner's exemption | $1,448,157 (+4.04%) Land $482,179 Building $965,978 |
| 2023 | $14,815.00 (+3.38%) Homeowner's exemption | $1,391,925 Land $463,456 Building $928,469 |
| 2022 | $14,330.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective July 15, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 49% of California |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 11 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 |
5G (outdoors only) and 4G LTE
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