5 Cummings Dr, Carmel Valley, CA 93924 Property Records

Monterey County property record for 5 Cummings Dr, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,586 sqft · built 1963
Lot Size	0.984 acres (42,878 sqft)
Owner	2 Company Names on Record
Last Sale	$682,000 (Sep 2016)
Tax Bill	$8,467 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jan 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`189-391-008-000`

Property Details

APN / Parcel Number

Primary APN	`189-391-008-000`
Alternative APN	`189-391-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,586 sqft Living Area
1st Floor Area	1,586 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Custom Design
Exterior Material	Adobe
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	42,878 sqft (0.984 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	189-391-008
Street Address	5 CUMMINGS DR
City	CARMEL VALLEY
State	CA
Zip	93924-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MP OF RO LOS LAURELES POR OF L 1 OF SUB J OF PAR 7 AS DESC IN R67 PG 512 RW & EXC RW
Legal Subdivision	MP OF RO LOS LAURELES
Legal Block	1
Legal Lot Number	1
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 26, 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	2 Company Names on Record
Mailing Address	5 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LNDG
Jan 23, 2017	Grant Deed OLD REPUBLIC TITLE
Sep 19, 2016	Deed of Trust, Mortgage · Conventional Mortgage PRINCETON CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2016 · Amount on Record
Deed Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	201656523
Last Transfer Date	Oct 15, 2024
Transfer Doc	0000040448
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	5 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000018294
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	CHICAGO TITLE SALINAS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5 CUMMINGS DR CARMEL VALLEY CA 939249754, CARMEL VALLEY, CA 93924-9754

Mortgage

Document Number	0000018294
Date	Apr 14, 2020
Instrument	18294

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

January 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jan 23, 2017
Property Address	5 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000003902
Instrument Date	Jan 17, 2017
Instrument	3902
Record Updated	Jan 31, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5 CUMMINGS DR CARMEL VALLEY CA 939249754, CARMEL VALLEY, CA 93924-9754

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	5 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000003903
Instrument Date	Sep 19, 2016
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1841 SOTO ST SEASIDE CA 939553943, SEASIDE, CA 93955-3943

Mortgage

Document Number	0000003903
Date	Jan 23, 2017
Instrument	3903

Lender

Name	PRINCETON CAP
Type	Funding / Finance Company
Address	LOS GATOS, CA 95032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 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		$807,343 (+2%) Land $473,516 Building $333,827
2025	$8,467.00 (+2.48%) Homeowner's exemption	$791,514 (+4.04%) Land $464,232 Building $327,282
2023	$8,262.00 (+3.34%) Homeowner's exemption	$760,780 Land $446,206 Building $314,574
2022	$7,995.00

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 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 84% of the US · above 63% of California
Wildfire Likelihood	0.7% 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 101 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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