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

Monterey County property record for 55 Middle Canyon Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	9 bd · 4.5 ba · 5,766 sqft · built 1956
Lot Size	2.48 acres (108,097 sqft)
Owner	2 Trust Names on File
Last Sale	$995,000 (Dec 2011)
Tax Bill	$18,150 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`187-231-001-000`

Property Details

APN / Parcel Number

Primary APN	`187-231-001-000`
Alternative APN	`187-231-001`

Interior

Bedrooms	9 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	1 Story
Building Area	5,766 sqft Living Area
1st Floor Area	5,766 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2019
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	108,097 sqft
Garage Type	Detached
Garage Area	1,792 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	187-231-001
Street Address	55 MIDDLE CANYON RD
City	CARMEL VALLEY
State	CA
Zip	93924-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL NO 3 ASSRS MAP OF RO LOS LAURELES LOT 1 OF SUB A OF LOT 3 2.57 AC
Legal Subdivision	MAP OF RO LOS LAURELES
Legal Block	2
Legal Lot Number	1,3
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	2
Census Block	2001
Census Tract	11001

Owner

55 Middle Canyon Rd is owner-occupied and held in a trust since December 2011.

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 Trust Names on File
Mailing Address	55 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Aug 27, 2019	Deed of Trust, Mortgage BANK OF THE WEST
Dec 8, 2017	Trustee's Deed, Construction Loan · Construction Mortgage SANTA CRUZ CNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2011 · Amount on File
Deed Sale	Dec 7, 2011 · Amount on File
Prior Sale	Oct 15, 2004 · Amount on File
Deed Document Number	201169479
Prior Transfer Date	Jan 3, 1997
Prior Transfer Doc	0034670800
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	55 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461

Mortgage

Document Number	0000023834
Date	Aug 2, 2023
Instrument	2023023834

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	55 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461
Document Number	0000040437
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	55 MIDDLE CANYON RD CARMEL VALLEY CA 939249461, CARMEL VALLEY, CA 93924-9461

Mortgage

Document Number	0000040437
Date	Sep 16, 2019
Instrument	40437

Lender

Name	BANK OF THE WEST
Type	Bank
Address	13505 CALIFORNIA ST, OMAHA, NE 68154-5247

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2049

December 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONTEREY CA
Recording Date	Dec 8, 2017
Property Address	55 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461
Instrument Date	Dec 4, 2017
Instrument	67856
Transaction Type	Construction Loan
Record Updated	Jan 3, 2018
Title Company	FIRSTAMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	55 MIDDLE CANYON RD CARMEL VALLEY CA 939249461, CARMEL VALLEY, CA 93924-9461

Mortgage

Document Number	0000067856
Date	Dec 8, 2017
Instrument	67856

Lender

Name	SANTA CRUZ CNTY BK
Type	Bank
Address	PO BOX 8426, SANTA CRUZ, CA 95061-8426

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 55 Middle Canyon Rd was $18,150.

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		$1,744,721 (+2%) Land $565,219 Building $1,179,502
2025	$18,150.00	$1,710,512 Land $554,137 Building $1,156,375
2023	$17,540.00 (+3.38%)	$1,644,092 Land $532,620 Building $1,111,472
2022	$16,966.00

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

Flood

FEMA maps place 55 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 55 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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