Monterey County property record for 81 E Garzas Rd, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,035 sqft · built 1967 |
| Lot Size | 2.04 acres (89,290 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,110,000 (Jun 2021) |
| Tax Bill | $12,827 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 189-121-006-000 |
| Primary APN | 189-121-006-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,035 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 89,290 sqft |
| Garage Area | 431 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Street Address | 81 GARZAS RD |
|---|---|
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 OF SUB B OF LOTS 4B & 5B OF PAR 3 RO LOS LAURELES & POR OF L 20 BLK 2 OF RO DEL MONTE 6 AS DESC IN R207 PG216 AS PAR II |
| Legal Subdivision | RO LOS LAURELES |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | CARMEL VALLEY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 11002 |
81 E Garzas Rd is owned by two individuals who bought it in June 2021.
Source: Monterey County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2021 | Grant Deed, Transfer · Conventional Mortgage LENDUS LLC |
| Feb 24, 2020 | Intrafamily Transfer, Transfer · Line of Credit ONE REVERSE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2021 · Amount on File |
| Deed Sale | Jun 22, 2021 · Amount on File |
| Prior Sale | Apr 23, 2001 · Amount on File |
| Deed Document Number | 202143306 |
| Prior Transfer Date | Jan 29, 2020 |
| Prior Transfer Doc | 0000009014 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Jun 22, 2021 |
| Property Address | 81 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Document Number | 0000043306 |
| Instrument Date | May 19, 2021 |
| Instrument | 2021043306 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 81 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Document Number | 0000043307 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021043307 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Feb 24, 2020 |
| Property Address | 81 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Document Number | 0000009014 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 2020009014 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | AMROCK INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 81 E GARZAS RD, CARMEL VALLEY, CA 93924-9450 |
| Document Number | 0000009015 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020009015 |
| Name | ONE REVERSE MORTGAGE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 81 E Garzas Rd was $12,827.
Source: Monterey County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Carmel Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,225,526 (+2%) Land $772,855 Building $452,671 | |
| 2025 | $12,827.00 | $1,201,497 Land $757,701 Building $443,796 |
| 2023 | $12,493.00 (+3.34%) | $1,154,844 Land $728,280 Building $426,564 |
| 2022 | $12,089.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 81 E Garzas Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
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 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 risk around 81 E Garzas Rd is high, ranking above 77% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 53% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 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 |
5G (outdoors only) and 4G LTE
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