840 E Carmen Ave, Fresno, CA 93728 Property Records

Fresno County property record for 840 E Carmen Ave, Fresno, CA 93728

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,626 sqft · built 1929
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`451-046-05`

Property Details

APN / Parcel Number

Primary APN	`451-046-05`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,626 sqft Living Area
1st Floor Area	1,626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	L-Shape
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	840 E CARMEN AVE
City	FRESNO
State	CA
Zip	93728-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PAR IN LOTS 4 5 & 6 BLK 1 WILSON NORTH FRESNO TR
Legal Subdivision	WILSONS NORTH FRESNO
Legal Block	1
Legal Lot Number	5
Jurisdiction	FRESNO CA
Township / Civil Division	FRESNO
Census Block Group	1
Census Block	1003
Census Tract	2200

Owner

840 E Carmen Ave is owned and occupied by two individuals who acquired it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	840 E CARMEN AVE, FRESNO, CA 93728-1805
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 10, 2020	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
May 7, 2019	Grant Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 25, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
May 25, 2018	Grant Deed, Transfer · Conventional Mortgage MAU DONNA L FAM L/TR (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2020
Deed Sale	Apr 10, 2020
Prior Sale	May 7, 2019 · Amount on File
Deed Document Number	202045549
Prior Transfer Date	Apr 6, 2020
Prior Transfer Doc	0000045549
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRESNO CA
Property Address	840 E CARMEN AVE, FRESNO, CA 93728-1805
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 E CARMEN AVE, FRESNO, CA 93728-1805

Mortgage

Document Number	0000069593
Date	Apr 27, 2021
Instrument	2021-0069593

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Aug 1, 2049

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRESNO CA
Recording Date	Apr 10, 2020
Property Address	840 E CARMEN AVE, FRESNO, CA 93728-1805
Document Number	0000045549
Map Reference	MB 4 PG 44
Instrument Date	Apr 6, 2020
Instrument	2020-0045549
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	TITLE CONNECT INC

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
Relationship	Joint Tenants
Address	840 E CARMEN AVE, FRESNO, CA 93728-1805

Mortgage

Document Number	0000045550
Date	Apr 10, 2020
Instrument	2020-0045550

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jun 1, 2049

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRESNO CA
Recording Date	May 7, 2019
Property Address	840 E CARMEN AVE, FRESNO, CA 93728-1805
Document Number	0000046997
Map Reference	MB 4 PG 44
Instrument Date	Apr 8, 2019
Instrument	2019-0046997
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	OLD REPUBLIC 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	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	840 E CARMEN AVE, FRESNO, CA 93728-1805

Mortgage

Document Number	0000046998
Date	May 7, 2019
Instrument	2019-0046998

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRESNO CA
Recording Date	May 25, 2018
Property Address	840 E CARMEN AVE, FRESNO, CA 93728-1805
Document Number	0000062117
Instrument Date	May 23, 2018
Instrument	62117
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	840 E CARMEN AVE FRESNO CA 937281805, FRESNO, CA 93728-1805

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FRESNO CA
Recording Date	May 25, 2018
Property Address	840 E CARMEN AVE, FRESNO, CA 93728-1805
Document Number	0000062118
Instrument Date	May 7, 2018
Instrument	62118
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	840 E CARMEN AVE FRESNO CA 937281805, FRESNO, CA 93728-1805

Mortgage

Document Number	62119
Date	May 25, 2018
Instrument	62119

Lender

Name	MAU DONNA L FAM L/TR (LT)
Address	2370 W CLEVELAND AVE # 108, MADERA, CA 93637-8742

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 840 E Carmen Ave was $2,889.

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		$225,282 (+2%) Land $45,509 Building $179,773
2025	$2,889.00	$220,866 Land $44,617 Building $176,249
2023	$2,727.00 (+1.38%)	$212,292 Land $42,886 Building $169,406
2022	$2,690.00

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

Flood

FEMA maps place 840 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 840 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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