917 Carmelo St, Monterey, CA 93940 Property Records

Monterey County property record for 917 Carmelo St, Monterey, CA 93940

Property Summary

Property Type	Commercial
Details	3 bd · 2 ba · 1,436 sqft · built 1927
Lot Size	0.111 acres (4,853 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Mar 2019)
Tax Bill	$9,111 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`001-603-007-000`

Property Details

APN / Parcel Number

Primary APN	`001-603-007-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,436 sqft Total Area
Gross Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2000
Architectural Style	Other
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	4,853 sqft (0.111 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	917 CARMELO ST
City	MONTEREY
State	CA
Zip	93940-4503
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SEVERANCE MP OF MONTEREY RESUBD OF LOTS A & B BLK 113 LOT 8 BLK 113
Legal Subdivision	MONTEREY
Legal Block	113
Legal Lot Number	8,A-B
Jurisdiction	MONTEREY CA
Township / Civil Division	SEASIDE-MONTEREY
Census Block Group	1
Census Block	1009
Census Tract	12800

Owner

Source: Monterey County records, as of October 20, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	917 CARMELO ST, MONTEREY, CA 93940-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Line of Credit MONTEREY CU
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Mar 4, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2019 · Amount on Record
Deed Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	2019008392
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	917 CARMELO ST, MONTEREY, CA 93940-4503
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043668
Date	Jun 24, 2021
Instrument	2021043668

Lender

Name	MONTEREY CU
Type	Credit Union
Address	MONTEREY, CA 93942

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 24, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	917 CARMELO ST, MONTEREY, CA 93940-4503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 CARMELO ST, MONTEREY, CA 93940-4503

Mortgage

Document Number	0000054107
Date	Oct 8, 2020
Instrument	2020054107

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	917 CARMELO ST, MONTEREY, CA 93940-4503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015211
Date	Mar 27, 2020
Instrument	2020015211

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

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

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONTEREY CA
Recording Date	Mar 4, 2019
Property Address	917 CARMELO ST, MONTEREY, CA 93940-4503
Document Number	0000008392
Instrument Date	Feb 25, 2019
Instrument	2019008392
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	OLD REPUBLIC TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	917 CARMELO ST, MONTEREY, CA 93940-4503

Mortgage

Document Number	0000008393
Date	Mar 4, 2019
Instrument	2019008393

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Monterey County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	California
County	Monterey County
Municipality	Monterey City
Unified School District	Monterey Peninsula Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,111.00 (+10.8%)	$781,368 (+4.04%) Land $585,645 Building $195,723
2023	$8,223.00 (+1.39%)	$751,028 Land $562,904 Building $188,124
2022	$8,110.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2018–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 2019 · rainfall accumulation

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	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	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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Razzolink Fixed Wireless	500 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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