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

Monterey County property record for 77 E Garzas Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,546 sqft · built 1976
Lot Size	1.37 acres (59,904 sqft)
Owner	Company Name on Record
Last Sale	$630,000 (Nov 2011)
Tax Bill	$8,538 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2022 Mortgage
Flood Zone	Zone AE (high risk)
APN	`189-131-013-000`

Property Details

APN / Parcel Number

Primary APN	`189-131-013-000`
Alternative APN	`189-131-013`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,546 sqft Living Area
1st Floor Area	1,546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	59,904 sqft
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Old Parcel Number	189-131-013
Street Address	77 E GARZAS RD
City	CARMEL VALLEY
State	CA
Zip	93924-9450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 BLK 2 OF RO DEL MONTE 6 EXC POR OF PAR 3 RO LOS LAURELES AS DESC IN R207 PG 206 PAR II
Legal Subdivision	RO LOS LAURELES
Legal Block	2
Legal Lot Number	20
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1010
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	PO BOX 1852, CARMEL VALLEY, CA 93924-1852
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2011 · Amount on Record
Deed Sale	Nov 3, 2011 · Amount on Record
Prior Sale	Aug 25, 2011 · Amount on Record
Deed Document Number	201162789
Prior Transfer Date	Apr 1, 2004
Prior Transfer Doc	0000054211
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	77 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030922
Date	Jun 29, 2020
Instrument	2020030922

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	77 E GARZAS RD, CARMEL VALLEY, CA 93924-9450
Transaction Type	Mortgage
Record Updated	Jul 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 EAST GARZAS ROAS, CARMEL VALLEY, CA 93924-9450

Mortgage

Document Number	0000005344
Date	Feb 1, 2022
Instrument	2022005344

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

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		$807,129 (+2%) Land $512,466 Building $294,663
2025	$8,538.00 (+2.56%)	$791,304 (+4.04%) Land $502,418 Building $288,886
2023	$8,325.00 (+3.33%)	$760,578 Land $482,909 Building $277,669
2022	$8,057.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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