Tree has what appears to be dead lower branches. Tree top looks healthy.
Wild seedling in the back of this garden. There's no adult growing on this property but they're commonly planted in the wider area.
Planted adult trees were nearby (this observation).
There were these well established planted adult trees and many wild seedlings (I've added an observation of a seedling as this separate observation).
Ceratonia siliqua, commonly known as the carob tree and St John's-bread, is a species of flowering evergreen shrub or tree in the pea family, Fabaceae. It is widely cultivated for its edible legumes, and as an ornamental tree in gardens. The crushed seed pod is often used as a substitute for chocolate.