San Mateo County property record for 118 Carmel Ave, Pacifica, CA 94044
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,580 sqft · built 1984 |
| Lot Size | 0.056 acres (2,430 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,265,000 (Aug 2018) |
| Tax Bill | $18,370 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Dec 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-041-020 |
| Primary APN | 016-041-020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,580 sqft Living Area |
| Gross Area | 2,080 sqft |
| 1st Floor Area | 980 sqft |
| 2nd Floor Area | 600 sqft |
| Attic | Attic |
| Attic Area | 100 sqft |
| Basement Area | 400 sqft |
| Family Room | Family Room |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 2,430 sqft (0.056 acres) |
| Lot Dimensions | 90 ft deep x 27 ft wide |
| Garage Type | Basement |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 118 CARMEL AVE |
|---|---|
| City | PACIFICA |
| State | CA |
| Zip | 94044-2555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C30000 |
| Legal Description | LOT 38 BLOCK 17 SALADA BEACH |
| Legal Subdivision | SALADA BEACH |
| Legal Block | 17 |
| Legal Lot Number | 38 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SOUTH SAN FRANCISCO |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 603000 |
118 Carmel Ave is owned and occupied by two individuals who bought it in August 2018.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage · Line of Credit UNCLE CU |
| Dec 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Mar 25, 2019 | Deed of Trust, Mortgage · ARM PNC BANK NA |
| Aug 20, 2018 | Grant Deed, Transfer · ARM PNC BANK NA |
| Jun 22, 2018 | Trustee's Deed, Construction Loan · Construction Mortgage FLAGSTAR BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2018 · Amount on File |
| Deed Sale | Aug 20, 2018 · Amount on File |
| Prior Sale | Feb 20, 2008 · Amount on File |
| Deed Document Number | 201864954 |
| Prior Transfer Date | Jun 4, 2013 |
| Prior Transfer Doc | 0000097201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Document Number | 0000050111 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 2022-050111 |
| Name | UNCLE CU |
|---|---|
| Type | Credit Union |
| Address | LIVERMORE, CA 94551 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2022 |
| Title Company | NATIONAL LINK |
| Name | Verified Name |
|---|---|
| Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Document Number | 0000169740 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 2021-169740 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0000020507 |
|---|---|
| Date | Mar 25, 2019 |
| Instrument | 2019-020507 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Aug 20, 2018 |
| Property Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Document Number | 0000064954 |
| Map Reference | MB5 PG20 |
| Instrument Date | Aug 14, 2018 |
| Instrument | 2018-064954 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Document Number | 0000064955 |
|---|---|
| Date | Aug 20, 2018 |
| Instrument | 2018-064955 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Jun 22, 2018 |
| Property Address | 118 CARMEL AVE, PACIFICA, CA 94044-2555 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 49047 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 10, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 118 CAMEL AVE PACIFICA CA 94044, PACIFICA, CA 94044 |
| Document Number | 0000049047 |
|---|---|
| Date | Jun 22, 2018 |
| Instrument | 49047 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 21, 2019 |
The 2025 property tax bill for 118 Carmel Ave was $18,370 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | Pacifica City |
| Secondary School District | Jefferson Union High School District (09 - 12) |
| Elementary School District | Pacifica School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,439,347 (+2%) Land $950,084 Building $489,263 | ||
| 2025 | $18,370.00 Homeowner's exemption | $1,411,125 Land $931,455 Building $479,670 | |
| 2023 | $17,261.00 (+8.27%) Homeowner's exemption | $1,356,332 Land $895,287 Building $461,045 | $1,067,490 |
| 2022 | $15,943.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Carmel Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1998.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 12 units insured incl. 4 condo units |
| Nearby Flood Claims | 5 (1998–2023) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
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.
Wildfire risk around 118 Carmel Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 | NORTH COAST COUNTY WATER DIST serves 38,546 people · EPA ID CA4110025 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) 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 399 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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