Monterey County property record for 85 Middle Canyon Rd, Carmel Valley, CA 93924
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,175 sqft · built 1952 |
| Lot Size | 1.95 acres (84,942 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,040,000 (Aug 2017) |
| Tax Bill | $10,303 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 187-221-018-000 |
| Primary APN | 187-221-018-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,175 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 84,942 sqft (1.95 acres) |
| Garage Type | Attached |
| Garage Area | 367 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 85 MIDDLE CANYON RD |
|---|---|
| City | CARMEL VALLEY |
| State | CA |
| Zip | 93924-9461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VOL 11 PAR MAPS PG 5. PAR B 1.98 AC APROX |
| Legal Subdivision | LOS LAURELES RHO |
| Legal Block | 1 |
| Jurisdiction | MONTEREY CA |
| Township / Civil Division | CARMEL VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11001 |
85 Middle Canyon Rd is owner-occupied and held in a trust since August 2017.
Source: Monterey County records, as of October 20, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 85 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Aug 17, 2017 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2017 · Amount on File |
| Deed Sale | Aug 17, 2017 · Amount on File |
| Deed Document Number | 2017044011 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEREY CA |
| Property Address | 85 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 85 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461 |
| Document Number | 0000083373 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 2021083373 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTEREY CA |
| Recording Date | Aug 17, 2017 |
| Property Address | 85 MIDDLE CANYON RD, CARMEL VALLEY, CA 93924-9461 |
| Document Number | 0000044011 |
| Instrument Date | Aug 7, 2017 |
| Instrument | 44011 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2018 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,144.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4465 SHERBOURNE DR SAN JOSE CA 951244841, SAN JOSE, CA 95124-4841 |
| Document Number | 44012 |
|---|---|
| Date | Aug 17, 2017 |
| Instrument | 44012 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 16, 2047 |
The 2025 property tax bill for 85 Middle Canyon Rd was $10,303 with a homeowner's exemption.
Source: Monterey County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | Monterey County |
| Unified School District | Carmel Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $10,303.00 Homeowner's exemption | $967,151 Land $568,913 Building $398,238 |
| 2023 | $9,955.00 (+3.37%) Homeowner's exemption | $929,597 Land $546,822 Building $382,775 |
| 2022 | $9,630.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 85 Middle Canyon Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 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 risk around 85 Middle Canyon Rd is high, ranking above 75% 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 75% of the US · above 51% 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 96 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: Verizon.
5G (outdoors only) and 4G LTE
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