Monterey County property record for 51 Upper Cir, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 967 sqft · built 1945 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $618,000 (May 2019) |
| Tax Bill | $7,472 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 189-472-007-000 |
| Primary APN | 189-472-007-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 696 Rooms |
| Stories | 1 Story |
| Building Area | 967 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Material | Tar & Gravel |
| Lot Area | 10,454 sqft (0.239 acres) |
| Heating System | Baseboard |
|---|
| Street Address | 51 UPPER CIR |
|---|---|
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924-9737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROBLES DEL RIO CARMELO SUB 1 LOTS 72 |
| Legal Subdivision | ROBLES DEL RIO CARMELO SUB 1 |
| Legal Lot Number | 72 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | CARMEL VALLEY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 11001 |
Source: Monterey County records · APN 189-472-007-000
Assessment roll updated July 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1 OAK MEADOW LN, CARMEL VALLEY, CA 93924-9455 |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FOUNDATION BANK |
| Oct 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| May 09, 2019 | Grant Deed, Transfer · ARM FIRST FOUNDATION BANK |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | May 09, 2019 · Amount on Record |
| Deed Sale | May 09, 2019 · Amount on Record |
| Prior Sale | Dec 29, 2005 · Amount on Record |
| Deed Document Number | 2019018447 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 51 UPPER CIR, CARMEL VALLEY, CA 93924-9737 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2022 |
| Title Company | FIRST AMERICAN TITLE SOUTHER |
| Name | Verified Name |
|---|---|
| Address | 1 OAK MEADOW LN, CARMEL VALLEY, CA 93924-9455 |
| Document Number | 0000023226 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 2022023226 |
| Name | FIRST FOUNDATION BANK |
|---|---|
| Type | Bank |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jun 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 4% |
| Index | Other |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 51 UPPER CIR, CARMEL VALLEY, CA 93924-9737 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1 OAK MEADOW LN, CARMEL VALLEY, CA 93924-9455 |
| Document Number | 0000053747 |
|---|---|
| Date | Oct 07, 2020 |
| Instrument | 2020053747 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Nov 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | May 09, 2019 |
| Property Address | 51 UPPER CIR, CARMEL VALLEY, CA 93924-9737 |
| Document Number | 0000018447 |
| Map Reference | MB 3 PG 43 |
| Instrument Date | Apr 22, 2019 |
| Instrument | 2019018447 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 51 UPPER CIR, CARMEL VALLEY, CA 93924-9737 |
| Document Number | 0000018448 |
|---|---|
| Date | May 09, 2019 |
| Instrument | 2019018448 |
| Name | FIRST FOUNDATION BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 6.62% |
| Index | 1-Year LIBOR |
| Max Rate | 10.6% |
Source: Monterey County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Carmel Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,472.00 (+2.69%) | $689,385 (+4.04%) Land $412,739 Building $276,646 |
| 2023 | $7,276.00 (+3.32%) | $662,617 Land $396,713 Building $265,904 |
| 2022 | $7,042.00 |
Source: FEMA National Flood Hazard Layer as of July 15, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 14 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 6 (1995–2023) |
| Most Recent Claim | Feb 2023 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | High above 70% of the US · above 45% of California |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Razzolink Fixed Wireless | 500 / 250 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 147 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CAL AM WATER COMPANY - MONTEREY private · serves 128,928 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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