57 E Garzas Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 57 E Garzas Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 1961
Lot Size	1.21 acres (52,753 sqft)
Owner	Company Name on Record
Last Sale	$1,270,000 (Jun 2017)
Tax Bill	$15,676 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`189-131-003-000`

Property Details

APN / Parcel Number

Primary APN	`189-131-003-000`
Alternative APN	`189-131-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	1,778 sqft Living Area
1st Floor Area	1,778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Custom Design
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	52,753 sqft
Garage Area	469 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Old Parcel Number	189-131-003
Street Address	57 E GARZAS RD
City	CARMEL VALLEY
State	CA
Zip	93924-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RCHO DEL MONTE #6 LOT 14 BLK 2
Legal Subdivision	RCHO DEL MONTE #6
Legal Block	2
Legal Lot Number	14
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 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1 OAK MEADOW LN, CARMEL VALLEY, CA 93924-9455
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2017	Deed of Trust, Mortgage · ARM FIRST FOUNDATION BANK
Dec 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST FOUNDATION BANK
Jun 14, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2017 · Amount on Record
Deed Sale	Jun 14, 2017 · Amount on Record
Deed Document Number	201731398
Last Transfer Date	Dec 18, 2020
Transfer Doc	0000078507
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	57 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SALINA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068070
Date	Dec 11, 2017
Instrument	2017068070

Lender

Name	FIRST FOUNDATION BANK
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Dec 30, 2020
Property Address	57 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000078507
Map Reference	VOL 5 PG 99
Instrument Date	Dec 18, 2020
Instrument	2020078507
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	FIRST AMERICAN 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	Living Trust
Address	1 OAK MEADOW LN, CARMEL VALLEY, CA 93924-9455

Mortgage

Document Number	0000078508
Date	Dec 30, 2020
Instrument	2020078508

Lender

Name	FIRST FOUNDATION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	9.25%

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 14, 2017
Property Address	57 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000031398
Instrument Date	Jun 2, 2017
Instrument	31398
Transaction Type	Transfer
Record Updated	Jun 23, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$1,397.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1 OAK MEADOW LN CARMEL VALLEY CA 939249455, CARMEL VALLEY, CA 93924-9455

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		$1,503,414 (+2%) Land $710,274 Building $793,140
2025	$15,676.00 (+3.1%)	$1,473,937 (+4.04%) Land $696,348 Building $777,589
2023	$15,205.00 (+3.37%)	$1,416,705 Land $669,309 Building $747,396
2022	$14,710.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 70% of the US · above 45% of California
Wildfire Likelihood	0.4% 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 124 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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