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

Monterey County property record for 73 E Garzas Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,260 sqft · built 1958
Owner	2 Individual Names on Record
Last Sale	$1,750,000 (Oct 2021)
Tax Bill	$19,610 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`189-131-007-000`

Property Details

APN / Parcel Number

Primary APN	`189-131-007-000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,260 sqft Living Area
1st Floor Area	2,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Other
Construction Type	Wood
Roof Type	Gable
Roof Material	Tar & Gravel
Garage Area	295 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	73 GARZAS RD
City	CARMEL VALLEY
State	CA
Zip	93924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RCHO DEL MONTE 6 LOT 19 BLK 2
Legal Subdivision	RCHO DEL MONTE 6
Legal Block	2
Legal Lot Number	19
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 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 11, CARMEL VALLEY, CA 93924-0011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit PACIFIC VALLEY BANK
Oct 25, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 12, 2020	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2021 · Amount on Record
Deed Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	202172906
Prior Transfer Date	Jun 27, 1997
Prior Transfer Doc	0000048549
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Recording Date	Aug 12, 2026
Property Address	73 GARZAS RD, CARMEL VALLEY, CA 93924
Document Number	0000027382
Instrument Date	Aug 4, 2026
Instrument	202627382
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027382,
Date	Aug 12, 2026
Instrument	202627382

Lender

Name	PACIFIC VALLEY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.49%
Max Rate	-1%

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Oct 25, 2021
Property Address	73 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000072906
Map Reference	VOL 5 PG 99
Instrument Date	Sep 23, 2021
Instrument	2021072906
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	PO BOX 11, CARMEL VALLEY, CA 93924-0011

Mortgage

Document Number	0000072907
Date	Oct 25, 2021
Instrument	2021072907

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

August 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTEREY CA
Recording Date	Aug 12, 2020
Property Address	73 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Document Number	0000040566
Instrument Date	May 19, 2020
Instrument	40566
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 E GARZAS RD CARMEL VALLEY CA 939249450, CARMEL VALLEY, CA 93924-9450

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		$1,894,254 (+2%) Land $1,298,917 Building $595,337
2025	$19,610.00 (+2.85%) Homeowner's exemption	$1,857,113 (+4.04%) Land $1,273,449 Building $583,664
2023	$19,067.00 (+3.29%) Homeowner's exemption	$1,785,000 Land $1,224,000 Building $561,000
2022	$18,459.00

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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