1195 Laurel St, San Carlos, CA 94070 Property Records

San Mateo County property record for 1195 Laurel St, San Carlos, CA 94070

Property Summary

Property Type	Restaurant
Details	1,948 sqft · built 1948
Lot Size	0.023 acres (1,017 sqft)
Owner	2 Company Names on Record
Last Sale	$800,000 (Jul 2023)
Tax Bill	$11,312 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Aug 2023 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`051-344-030`

Property Details

APN / Parcel Number

Primary APN	`051-344-030`

Interior

Building Area	1,948 sqft Gross Area

Exterior

Lot Area	1,017 sqft (0.023 acres)

Location & Zoning

Street Address	1195 LAUREL ST
City	SAN CARLOS
State	CA
Zip	94070-5008
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	25 FT X 40.69 FT ON LAUREL ST COM 71.14 FT NWLY FRM GREENWOOD DR PTN OF LOT 25 BLOCK 1 OAK PARK RSM 12/26 29 CITY OF SAN CARLOS
Legal Subdivision	OAK PARK
Legal Block	1
Legal Lot Number	25
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	3
Census Block	3011
Census Tract	609201

Owner

Source: San Mateo County records, as of July 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3401 PACIFIC BLVD, SAN MATEO, CA 94403-2836
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · SBA Mortgage THE MORTGAGE CAPITAL DEVELOPMENT CORP
Aug 18, 2023	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jul 17, 2023	Lease, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jul 17, 2023	Grant Deed, Transfer · Commercial Mortgage CATHAY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Deed Document Number	202333998
Last Transfer Date	Aug 17, 2023
Transfer Doc	0000039897
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1195 LAUREL ST, SAN CARLOS, CA 94070-5008
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1195 LAUREL ST, SAN CARLOS, CA 94070-5008

Mortgage

Document Number	0000034003
Date	Jul 17, 2023
Instrument	2023-034003

Lender

Name	THE MORTGAGE CAPITAL DEVELOPMENT CORP
Type	Mortgage Company
Address	OAKLAND, CA 94612

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Aug 18, 2023
Property Address	1195 LAUREL ST, SAN CARLOS, CA 94070-5008
Document Number	0000039897
Map Reference	MB 12 PG 26-29
Instrument Date	Aug 17, 2023
Instrument	2023-039897
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3401 PACIFIC BLVD, SAN MATEO, CA 94403-2836

July 2023: Lease, Transfer

Document Type	Lease
Jurisdiction	SAN MATEO CA
Recording Date	Jul 17, 2023
Property Address	1195 LAUREL ST, SAN CARLOS, CA 94070-5008
Document Number	0000034005
Map Reference	MB 12 PG 26-29
Instrument Date	Jul 13, 2023
Instrument	2023-034005
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 17, 2023
Property Address	1195 LAUREL ST, SAN CARLOS, CA 94070-5008
Document Number	0000033998
Map Reference	MB 12 PG 26-29
Instrument Date	Jul 3, 2023
Instrument	2023-033998
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3401 PACIFIC BLVD, SAN MATEO, CA 94403-2836

Mortgage

Document Number	0000033999
Date	Jul 17, 2023
Instrument	2023-033999

Lender

Name	CATHAY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000034001
Date	Jul 17, 2023
Instrument	2023-034001

Lender

Name	CATHAY BANK
Type	Bank
Address	LOS ANGELES, CA 90012

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$832,320 (+2%) Land $447,372 Building $384,948
2025	$11,312.00 (+420.33%)	$816,000 (+1,119.68%) Land $438,600 Building $377,400
2023	$2,174.00 (-41.45%)	$66,903 Land $15,039 Building $51,864
2022	$3,713.00

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.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 332 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

May also be available: GeoLinks.

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