San Mateo County property record for 109 Ruby Ave, San Carlos, CA 94070 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1952 |
| Square Footage | 1,400 sqft Living Area |
| Lot Size | 5,081 sqft (0.117 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $977,000 (2013) |
| Tax Bill | $15,226.00 (2025) |
| Primary APN | 051-284-330 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,400 sqft Living Area |
| 1st Floor | 1,400 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Bungalow Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,081 sqft (0.117 acres) |
| Depth X Width | 93 ft x 55 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 460 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 109 RUBY AVE |
|---|---|
| City | SAN CARLOS |
| State | CA |
| Zip | 94070-4520 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 21 BLOCK 11 WHITE OAKS TRACT 3 |
| Legal Subdivision | WHITE OAKS TRACT 3 |
| Legal Tract | 3 |
| Legal Block | 11 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN MATEO CA |
| Minor Civil Division | SAN MATEO |
| Census Blockgroup | 2 |
| Census Block | 2021 |
| Census Tract | 609300 |
Source: San Mateo County records · APN 051-284-330
Assessment roll updated July 15, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 RUBY AVE, SAN CARLOS, CA 94070-4520 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING |
| May 06, 2020 | Correction Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 03, 2013 · Amount on Record |
| Deed Sale | Apr 03, 2013 · Amount on Record |
| Prior Sale | Jul 19, 2002 · Amount on Record |
| Deed Doc Number | 201350247 |
| Last Transfer Date | Jan 12, 2015 |
| Transfer Doc | 0000006840 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 109 RUBY AVE, SAN CARLOS, CA 94070-4520 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 109 RUBY AVE, SAN CARLOS, CA 94070-4520 |
| Document Number | 0000132312 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021-132312 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 109 RUBY AVE, SAN CARLOS, CA 94070-4520 |
| Document Number | 0000040498 |
| Instrument Date | Apr 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 03, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 109 RUBY AVE SAN CARLOS CA 940704520, SAN CARLOS, CA 94070-4520 |
| Document Number | 0000040498 |
|---|---|
| Date | May 06, 2020 |
| Instrument | 40498 |
| Name | JMAC LENDING |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 05, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | May 06, 2020 |
| Property Address | 109 RUBY AVE, SAN CARLOS, CA 94070-4520 |
| Document Number | 0000040497 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 40497 |
| Transaction Type | Transfer |
| Record Updated | Jun 03, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 RUBY AVE SAN CARLOS CA 940704520, SAN CARLOS, CA 94070-4520 |
Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | San Carlos City |
| Elementary School District | San Carlos Elementary School District (KG - 08) |
| Secondary School District | Sequoia Union High School District (09 - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,227,153 (+2%) Land $942,036 Building $285,117 | ||
| 2025 | $15,226.00 (+4.9%) Homeowner's exemption | $1,203,092 (+4.04%) Land $923,565 Building $279,527 | |
| 2023 | $14,515.00 (+2.32%) Homeowner's exemption | $1,156,376 Land $887,702 Building $268,674 | $1,630,980 |
| 2022 | $14,186.00 |
109 Ruby Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · San Mateo County (06081C), updated September 10, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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