641 E Carmen Ave, Fresno, CA 93728 Property Records

Fresno County property record for 641 E Carmen Ave, Fresno, CA 93728

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,981 sqft · built 1945
Lot Size	0.167 acres (7,275 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Mar 2021)
Tax Bill	$8,145 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2018 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`451-041-09`

Property Details

APN / Parcel Number

Primary APN	`451-041-09`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,981 sqft Living Area
1st Floor Area	1,466 sqft
2nd Floor Area	1,515 sqft
Basement Area	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Frame
Lot Area	7,275 sqft (0.167 acres)
Lot Dimensions	97 ft deep x 75 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Refrigeration

Location & Zoning

Street Address	641 E CARMEN AVE
City	FRESNO
State	CA
Zip	93728-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	S 97 FT OF LOT 3 BLK 12 WILSONS NORTH FRESNO TR
Legal Subdivision	WILSONS NORTH FRESNO TR
Legal Block	12
Legal Lot Number	3
Jurisdiction	FRESNO CA
Township / Civil Division	FRESNO
Census Block Group	4
Census Block	4001
Census Tract	2200

Owner

641 E Carmen Ave is owned and occupied by two individuals who bought it in March 2021.

Source: Fresno County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Grant Deed, Transfer · Conventional Mortgage STANFORD FCU
Jul 13, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL VALLEY COMMUNITY BANK
Jun 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI ELEVEN MTG
Nov 16, 2018	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Nov 16, 2018	Affidavit of Death, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Nov 16, 2018	Grant Deed, Transfer · Conventional Mortgage INTEGRITY FIRST FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2021 · Amount on File
Deed Sale	Mar 23, 2021 · Amount on File
Prior Sale	Nov 16, 2018 · Amount on File
Deed Document Number	202148025
Prior Transfer Date	Apr 27, 1994
Prior Transfer Doc	0000095879
Record Updated	Oct 29, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRESNO CA
Recording Date	Mar 23, 2021
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Document Number	0000048025
Map Reference	MB 4 PG 44
Instrument Date	Mar 17, 2021
Instrument	2021-0048025
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	641 E CARMEN AVE, FRESNO, CA 93728-1714

Mortgage

Document Number	0000048026
Date	Mar 23, 2021
Instrument	2021-0048026

Lender

Name	STANFORD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083029
Date	Jul 13, 2018
Instrument	2018-0083029

Lender

Name	CENTRAL VALLEY COMMUNITY BANK
Type	Bank
Address	FRESNO, CA 93720

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRESNO CA
Recording Date	Jun 26, 2020
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Document Number	0000079901
Instrument Date	Jun 26, 2020
Instrument	79901
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	641 E CARMEN AVE FRESNO CA 937281714, FRESNO, CA 93728-1714

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Document Number	0000065095
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	641 E CARMEN AVE FRESNO CA 937281714, FRESNO, CA 93728-1714

Mortgage

Document Number	0000065095
Date	May 28, 2020
Instrument	65095

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 27, 2050

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRESNO CA
Recording Date	Nov 16, 2018
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Document Number	0000138978
Map Reference	MB 4 PG 44
Instrument Date	Nov 6, 2018
Instrument	2018-0138978
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	CHICAGO 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
Address	641 E CARMEN AVE, FRESNO, CA 93728-1714

November 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	FRESNO CA
Recording Date	Nov 16, 2018
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Document Number	0000138976
Instrument Date	Oct 2, 2018
Instrument	138976
Transaction Type	Transfer
Record Updated	Dec 13, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5515 N FRESNO ST #132 FRESNO CA 937108336, 132, FRESNO, CA 93710-8336

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRESNO CA
Recording Date	Nov 16, 2018
Property Address	641 E CARMEN AVE, FRESNO, CA 93728-1714
Document Number	0000138977
Map Reference	MB 4 PG 44
Instrument Date	Aug 3, 2018
Instrument	2018-0138977
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 E CARMEN AVE, FRESNO, CA 93728-1714

Mortgage

Document Number	0000138979
Date	Nov 16, 2018
Instrument	2018-0138979

Lender

Name	INTEGRITY FIRST FINANCIAL GROUP INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 641 E Carmen Ave was $8,145.

Source: Fresno County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	California
County	Fresno County
Municipality	Fresno City
Unified School District	Fresno Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$640,364 (+2%) Land $154,570 Building $485,794
2025	$8,145.00	$627,809 Land $151,540 Building $476,269
2023	$7,684.00 (+1.39%)	$603,432 Land $145,656 Building $457,776
2022	$7,579.00

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

Flood

FEMA maps place 641 E Carmen Ave in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective April 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

The area around 641 E Carmen Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF FRESNO serves 545,970 people · EPA ID CA1010007
Water Source	Surface water
Lead	Under 1 ppb (2023–2025) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 759 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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