San Mateo County property record for 1107 Cedar St, San Carlos, CA 94070
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1948 |
| Lot Size | 0.134 acres (5,823 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,125,000 (Aug 2023) |
| Tax Bill | $26,068 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-311-050 |
| Primary APN | 051-311-050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,310 sqft |
| Family Room | Family Room |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 5,823 sqft (0.134 acres) |
| Lot Dimensions | 122 ft deep x 48 ft wide |
| View / Lot | Corner |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1107 CEDAR ST |
|---|---|
| City | SAN CARLOS |
| State | CA |
| Zip | 94070-4701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | SW 47.73 FT OF LOT 1 BLOCK 16 OAK PARK RSM 12/26 29 CITY OF SAN CARLOS |
| Legal Subdivision | OAK PARK |
| Legal Block | 16 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 609201 |
1107 Cedar St is owned and occupied by two individuals who bought it in August 2023.
Source: San Mateo County records, as of October 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA |
| Aug 10, 2023 | Grant Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Nov 17, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Jan 12, 2021 | Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 · Amount on File |
| Deed Sale | Aug 10, 2023 · Amount on File |
| Deed Document Number | 202338390 |
| Prior Transfer Date | Aug 3, 2023 |
| Prior Transfer Doc | 0000038389 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Document Number | 0000056361 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 2025-056361 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.6% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Aug 10, 2023 |
| Property Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Document Number | 0000038390 |
| Map Reference | MB 12 PG 26-29 |
| Instrument Date | Aug 1, 2023 |
| Instrument | 2023-038390 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,337.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Document Number | 0000038391 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023-038391 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Document Number | 0000159905 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2021-159905 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 655 Months |
| Due | Jun 23, 2076 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Nov 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Jan 12, 2021 |
| Property Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Document Number | 0000004685 |
| Map Reference | MB 12 PG 26-29 |
| Instrument Date | Nov 10, 2020 |
| Instrument | 2021-004685 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FNC TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1107 CEDAR ST, SAN CARLOS, CA 94070-4701 |
| Document Number | 0000004686 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 2021-004686 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 665 Months |
| Due | Jun 23, 2076 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Nov 1, 2021 |
| Change Frequency | Monthly |
| Index | 1-Year LIBOR |
The 2025 property tax bill for 1107 Cedar St was $26,068.
Source: San Mateo County assessment roll, as of July 15, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,219,277 (+2.39%) Land $1,955,952 Building $263,325 | ||
| 2025 | $26,068.00 | $2,167,500 Land $1,917,600 Building $249,900 | |
| 2023 | $2,846.00 (+1.28%) | $125,543 Land $34,136 Building $91,407 | $1,853,640 |
| 2022 | $2,810.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1107 Cedar St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Jan 1982 · Severe Storms, Flood, Mudslides & High Tide |
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.
The area around 1107 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALIFORNIA WATER SERVICE - SAN CARLOS private · serves 34,801 people · EPA ID CA4110007 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2024 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 1,055 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Sonic Telecom Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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