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

Monterey County property record for 51 Middle Canyon Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,343 sqft · built 1968
Lot Size	1 acres (43,560 sqft)
Owner	Trust Name on File
Tax Bill	$9,936 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Apr 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`187-231-009-000`

Property Details

APN / Parcel Number

Primary APN	`187-231-009-000`
Alternative APN	`187-231-009`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,343 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2014
Architectural Style	H-Shape
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	43,560 sqft
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	187-231-009
Street Address	51 MIDDLE CANYON RD
City	CARMEL VALLEY
State	CA
Zip	93924-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 3 ASSRS MAP OF RO LOS LAURELES POR OF SUB A OF LOT 3 SHOWN AS PARCEL A ON R/S VOL 7S PG 156 1.000 AC
Legal Subdivision	MAP OF RO LOS LAURELES
Legal Lot Number	3
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2001
Census Tract	11001

Owner

51 Middle Canyon Rd is owner-occupied and held in a trust since June 2022.

Source: Monterey County records, as of August 6, 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	Trust Name on File
Mailing Address	PO BOX 11, CARMEL VALLEY, CA 93924-0011
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit PACIFIC VALLEY BANK
Apr 12, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 28, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage ERIC CHALIFOUR ETAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 23, 2022
Transfer Doc	0000028658
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	Aug 12, 2026
Property Address	51 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461
Document Number	0000027382
Instrument Date	Aug 4, 2026
Instrument	202627382
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189

Mortgage

Document Number	0000027382,
Date	Aug 12, 2026
Instrument	202627382

Lender

Name	PACIFIC VALLEY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	51 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461
Transaction Type	Mortgage
Record Updated	Apr 29, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 11, CARMEL VALLEY, CA 93924-0011

Mortgage

Document Number	0000012685
Date	Apr 12, 2024
Instrument	2024012685

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Jun 28, 2022
Property Address	51 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924
Document Number	0000028658
Map Reference	VOL 7 PG 156
Instrument Date	Jun 23, 2022
Instrument	2022028658
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	PO BOX 11, CARMEL VALLEY, CA 93924-0011

Mortgage

Document Number	0000028659
Date	Jun 28, 2022
Instrument	2022028659

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10%
Index	Other
Max Rate	10%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	51 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070682
Date	Oct 15, 2021
Instrument	2021070682

Lender

Name	ERIC CHALIFOUR ETAL
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 51 Middle Canyon Rd was $9,936 with a homeowner's exemption.

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		$950,658 (+2%) Land $351,780 Building $598,878
2025	$9,936.00 Homeowner's exemption	$932,019 Land $344,883 Building $587,136
2023	$8,973.00 (+5.09%) Homeowner's exemption	$825,163 Land $331,492 Building $493,671
2022	$8,538.00

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

Flood

FEMA maps place 51 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 51 Middle Canyon Rd is high, ranking above 75% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 51% of California
Wildfire Likelihood	0.5% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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