7 Cummings Dr, Carmel Valley, CA 93924 Property Records

Monterey County property record for 7 Cummings Dr, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,672 sqft · built 1970
Lot Size	2.57 acres (112,155 sqft)
Owner	Trust Name on File
Last Sale	$452,000 (Dec 2011)
Tax Bill	$6,127 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`189-391-013-000`

Property Details

APN / Parcel Number

Primary APN	`189-391-013-000`
Alternative APN	`189-391-013`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	L-Shape
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	112,155 sqft
Garage Area	366 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	189-391-013
Street Address	7 CUMMINGS DR
City	CARMEL VALLEY
State	CA
Zip	93924-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MP OF LOS LAURELES POR OF L 1 OF SUB J OF PAR 7 DESC AS PAR 1A IN R607 PG 487 RW & EXC RW 2.501 AC
Legal Subdivision	MP OF LOS LAURELES
Legal Block	1
Legal Lot Number	1
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1007
Census Tract	11002

Owner

7 Cummings Dr is owner-occupied and held in a trust since August 2020.

Source: Monterey County records, as of August 6, 2026

Owner of Record	Trust Name on File
Mailing Address	7 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Aug 31, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2020	Quit Claim Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2011 · Amount on File
Deed Sale	Dec 2, 2011 · Amount on File
Prior Sale	May 23, 2003 · Amount on File
Deed Document Number	201168556
Last Transfer Date	Aug 25, 2020
Transfer Doc	0000044717
Record Updated	Oct 29, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Aug 31, 2020
Property Address	7 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000044715
Instrument Date	Aug 25, 2020
Instrument	2020044715
Transaction Type	Transfer
Record Updated	Aug 19, 2021
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
Address	7 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754

Mortgage

Document Number	0000044716
Date	Aug 31, 2020
Instrument	2020044716

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Aug 31, 2020
Property Address	7 CUMMINGS DR, CARMEL VALLEY, CA 93924-9754
Document Number	0000044717
Instrument Date	Aug 25, 2020
Instrument	44717
Transaction Type	Transfer
Record Updated	Sep 18, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7 CUMMINGS DR CARMEL VALLEY CA 939249754, CARMEL VALLEY, CA 93924-9754

Tax Assessment & Valuation

The 2025 property tax bill for 7 Cummings Dr was $6,127 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		$579,078 (+2%) Land $288,258 Building $290,820
2025	$6,127.00 Homeowner's exemption	$567,724 Land $282,606 Building $285,118
2023	$5,920.00 (+3.37%) Homeowner's exemption	$545,681 Land $271,633 Building $274,048
2022	$5,727.00

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

Flood

FEMA maps place 7 Cummings Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1995.

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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 7 Cummings Dr is high, ranking above 84% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 63% of California
Wildfire Likelihood	0.7% 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 101 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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