43 E Garzas Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 43 E Garzas Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,733 sqft · built 1971
Lot Size	1.14 acres (50,050 sqft)
Owner	Individual Name on Record
Last Sale	$2,100,000 (May 2024)
Tax Bill	$22,662 (2025)
Deeds & Mortgages	May 2024 Sale May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`189-131-009-000`

Property Details

APN / Parcel Number

Primary APN	`189-131-009-000`
Alternative APN	`189-131-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,733 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	50,050 sqft
Garage Area	857 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	189-131-009
Street Address	43 E GARZAS RD
City	CARMEL VALLEY
State	CA
Zip	93924-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RCHO DEL MONTE #6 LOT 11 BLK 2
Legal Subdivision	RCHO DEL MONTE #6
Legal Block	2
Legal Lot Number	11
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1007
Census Tract	11002

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	Individual Name on Record
Mailing Address	PO BOX 4592, CARMEL BY THE SEA, CA 93921-4592
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 4, 2020	Correction Deed · Conventional Mortgage LENDUS LLC
Mar 21, 2019	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Mar 6, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage LENDUS LLC
Mar 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Dec 14, 2010 · Amount on Record
Deed Document Number	202415591
Prior Transfer Date	Apr 29, 2020
Prior Transfer Doc	0000021539
Record Updated	Oct 29, 2026

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	May 3, 2024
Property Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000015591
Map Reference	MB 5 PG 99
Instrument Date	Apr 30, 2024
Instrument	2024015591
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4592, CARMEL, CA 93921-4592

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000035273
Date	May 18, 2021
Instrument	2021035273

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	MONTEREY CA
Recording Date	May 4, 2020
Property Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000021539
Map Reference	MB 5 PG 99
Instrument Date	Apr 29, 2020
Instrument	2020021539
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000021540
Date	May 4, 2020
Instrument	2020021540

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 21, 2019
Property Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000010868
Instrument Date	Feb 27, 2019
Instrument	10868
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	43 E GARZAS RD CARMEL VALLEY CA 939249450, CARMEL VALLEY, CA 93924-9450

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Mar 6, 2019
Property Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000008750
Map Reference	MB 5 PG 99
Instrument Date	Feb 27, 2019
Instrument	2019008750
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	CHICAGO TITLE COMPANY SALINA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000008751
Date	Mar 6, 2019
Instrument	2019008751

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 16, 2018
Property Address	43 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000011250
Instrument Date	Feb 22, 2018
Instrument	11250
Transaction Type	Transfer
Record Updated	Mar 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	43 E GARZAS RD CARMEL VALLEY CA 939249450, CARMEL VALLEY, CA 93924-9450

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		$2,142,000 (-) Land $918,000 Building $1,224,000
2025	$22,662.00 (+128.36%)	$2,142,000 (+135.06%) Land $918,000 Building $1,224,000
2023	$9,924.00 (+3.32%) Homeowner's exemption	$911,243 Land $369,422 Building $541,821
2022	$9,605.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

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

Wildfire Risk	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.4% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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