46 Middle Canyon Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 46 Middle Canyon Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,381 sqft · built 1967
Lot Size	1.44 acres (62,726 sqft)
Owner	Individual Name on File
Last Sale	$2,200,000 (Sep 2026)
Tax Bill	$2,253 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`187-211-015-000`

Property Details

APN / Parcel Number

Primary APN	`187-211-015-000`
Alternative APN	`187-211-015`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,381 sqft Living Area
1st Floor Area	2,381 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	H-Shape
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	62,726 sqft (1.44 acres)
Garage Area	561 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	187-211-015
Street Address	46 MIDDLE CANYON RD
City	CARMEL VALLEY
State	CA
Zip	93924-9404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 141 RANCHO DEL MONTE NO 1 L 3 BLK 3 EXC ASSRS SUBS A B C & D & EXC SELY 110 FT APRX 1.44 AC
Legal Subdivision	RANCHO DEL MONTE SUBDIVISION #01
Legal Tract	141
Legal Block	3
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2001
Census Tract	11001

Owner

46 Middle Canyon Rd is owned and occupied by an individual who bought it in September 2026.

Source: Monterey County records, as of October 13, 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	Individual Name on File
Mailing Address	46 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Deed Document Number	202631704
Prior Transfer Date	Mar 20, 2026
Prior Transfer Doc	0000010073
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Sep 16, 2026
Property Address	46 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9404
Document Number	0000031704
Instrument Date	Sep 9, 2026
Instrument	202631704
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244,420.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9404

Mortgage

Document Number	0000031705,
Date	Sep 16, 2026
Instrument	202631705

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 46 Middle Canyon Rd was $2,253, up 2.8% from the year before.

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		$2,300,000 (+1,065.74%) Land $1,000,000 Building $1,300,000
2025	$2,253.00 (+2.78%) Homeowner's exemption	$197,300 Land $50,877 Building $146,423
2024	$2,192.00 (-3.56%)
2023	$2,273.00 (+3.13%) Homeowner's exemption	$189,640 Land $48,902 Building $140,738
2022	$2,204.00

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

FEMA maps place 46 Middle Canyon Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

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

Wildfire risk around 46 Middle Canyon Rd is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 57% of California
Wildfire Likelihood	0.6% 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 96 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: Verizon.

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