Threats such as pollution, drought, and wildfires significantly impact freshwater ecosystems therefore monitoring and mitigation efforts are essential. Using the California Stream Condition Index (CSCI), an index ranging from 0 to ~1 based on a combination of observed/expected counts for BMI taxa and multimeric index, we could assess ecosystem health within the Carmel River. The Carmel River, historically affected by urbanization and dam removal, is undergoing further development along its banks, which is expected to heavily impact the river, making ecological monitoring especially critical. This study aims to establish a baseline ecological condition for the Carmel River before further development or restoration. Field surveys were conducted at two sites along the river using Surface Water Ambient Monitoring Protocol (SWAMP) and BMI samples were collected using a D-frame net. Additionally, physical habitat parameters such as sediment size class and vegetation cover were recorded to offer context for other findings. All biological samples were identified in the lab, and CSCI scores were calculated using Rstudio statistical software. The overall CSCI scores at each site surveyed were 0.49 and 0.51, indicating a "very poor" ecological condition. Observed BMI ratios were low, with only 3 taxa observed compared to the expected 11.34. Physical habitat assessments showed moderate vegetation cover and fine sediment deposition, possibly due to dam removal and urban runoff. The absence of shredders and coleopters taxa also suggests anthropogenic disturbance may be impacting the river. Findings indicate that the Carmel River is significantly impaired, likely due to past and ongoing human influences. Future monitoring should aim to assess nutrient levels, anthropogenic stressors, and the long-term impact of planned park development.