Carmel Valley is bordered to the north by the North City and Pacific Highlands Ranch; to the south by Los Peñasquitos Canyon Preserve and Torrey Hills; to the east by Pacific Highlands Ranch and Del Mar Mesa; and to the west by Interstate 5 and Torrey Pines. Nearby is the Torrey Pines State Natural Reserve, where one of two stands of the endangered Torrey Pine is found to occur. The area overlooks the ocean and is located in the hills.
While many people in the area are now referring to the entire 92130 zip code as Carmel Valley, the actual boundaries of the community remain unchanged from the original community plan. The remainder of the 92130 zip code is filled by the surrounding communities of Del Mar Mesa, Pacific Highlands Ranch, and Torrey Hills. Torrey Highlands, the easternmost section of Del Mar Mesa, is considered to be a part of Carmel Valley and the boundary between Carmel Valley and Rancho Peñasquitos.
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