92 Panetta Rd, Carmel Valley, CA 93924 Property Records

Monterey County property record for 92 Panetta Rd, Carmel Valley, CA 93924

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,510 sqft · built 1975
Lot Size	1.41 acres (61,781 sqft)
Owner	Trust Name on File
Tax Bill	$7,754 (2025)
Deeds & Mortgages	Jun 2020 Transfer Jun 2020 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`189-191-008-000`

Property Details

APN / Parcel Number

Primary APN	`189-191-008-000`
Alternative APN	`189-191-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,510 sqft Living Area
1st Floor Area	2,510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	L-Shape
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	61,781 sqft
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Old Parcel Number	189-191-008
Street Address	92 PANETTA RD
City	CARMEL VALLEY
State	CA
Zip	93924-9452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PAR # 3 RO LOS LAURELES SUB D OF SUB 1 OF LOT 5B & SUB A OF WELL LOT D OF SUB 1 OF LOTS 4B & 5B & SUB H OF SUB 1 OF LOT 4B 1.50 AC EXC RW
Legal Subdivision	PAR # 3 RO LOS LAURELES SUB D OF SUB 1
Legal Block	1
Legal Lot Number	5B
Jurisdiction	MONTEREY CA
Township / Civil Division	CARMEL VALLEY
Census Block Group	1
Census Block	1003
Census Tract	11001

Owner

92 Panetta Rd is held in a trust since May 2020.

Source: Monterey County records, as of August 6, 2026

Owner of Record	Trust Name on File
Mailing Address	154 COUNTRY CLUB DR, CARMEL VALLEY, CA 93924-9553
Owner Type	Company
Vesting	Trust

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
Jun 11, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Jun 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 27, 2019	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BK
Feb 12, 2019	Quit Claim Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Feb 12, 2019	Intrafamily Transfer, Transfer · ARM PARAMOUNT EQUITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2020
Deed Sale	Feb 6, 2020
Deed Document Number	20206244
Last Transfer Date	May 29, 2020
Transfer Doc	0000027865
Record Updated	Oct 29, 2026

June 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MONTEREY CA
Recording Date	Jun 11, 2020
Property Address	92 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Document Number	0000027865
Instrument Date	May 29, 2020
Instrument	27865
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 PANETTA RD CARMEL VALLEY CA 939249452, CARMEL VALLEY, CA 93924-9452

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Jun 11, 2020
Property Address	92 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Document Number	0000027866
Instrument Date	May 29, 2020
Instrument	27866
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	92 PANETTA RD CARMEL VALLEY CA 939249452, CARMEL VALLEY, CA 93924-9452

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY CA
Property Address	92 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	92 PANETTA RD CARMEL VALLEY CA 939249452, CARMEL VALLEY, CA 93924-9452

Mortgage

Document Number	6245
Date	Feb 6, 2020
Instrument	6245

Lender

Name	MAGNOLIA BK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY CA
Recording Date	Feb 12, 2019
Property Address	92 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Document Number	0000005579
Instrument Date	Jan 17, 2019
Instrument	5579
Transaction Type	Transfer
Record Updated	Feb 25, 2019
Title Company	PLACER TITLE COMPANY, PLACER 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	Personal Trust
Address	92 PANETTA RD CARMEL VALLEY CA 939249452, CARMEL VALLEY, CA 93924-9452

February 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEREY CA
Recording Date	Feb 12, 2019
Property Address	92 PANETTA RD, CARMEL VALLEY, CA 93924-9452
Document Number	0000005577
Instrument Date	Jan 17, 2019
Instrument	2019005577
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	PLACER TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	92 PANETTA RD, CARMEL VALLEY, CA 93924-9452

Mortgage

Document Number	0000005578
Date	Feb 12, 2019
Instrument	2019005578

Lender

Name	PARAMOUNT EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.81%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 92 Panetta Rd was $7,754.

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		$730,638 (+2%) Land $348,961 Building $381,677
2025	$7,754.00	$716,313 Land $342,119 Building $374,194
2023	$7,591.00 (+205.1%)	$688,499 Land $328,835 Building $359,664
2022	$2,488.00

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

Flood

FEMA maps place 92 Panetta Rd in Zone AE, a high-risk flood area; 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	20 (1998–2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 9 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2019 · 2 claims Severe Winter Storms, Flooding, And Mudslides, Feb 2017 · 7 claims

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

Wildfire risk around 92 Panetta Rd is high, ranking above 70% of the US, with a 0.4% annual chance of 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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