San Mateo County property record for 1315 Chestnut St, San Carlos, CA 94070
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 1960 |
| Lot Size | 0.093 acres (4,040 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $2,976 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Nov 2025 Second Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-302-130 |
| Primary APN | 051-302-130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,460 sqft Living Area |
| 1st Floor Area | 1,460 sqft |
| Family Room | Family Room |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 4,040 sqft (0.093 acres) |
| Lot Dimensions | 101 ft deep x 40 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1315 CHESTNUT ST |
|---|---|
| City | SAN CARLOS |
| State | CA |
| Zip | 94070-4714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | 40 FT X 101 FT ON CHESTNUT AVE PTN OF LOTS 1 & 2 BLK 13 OAK PARK RSM 12/26 29 CITY OF SAN CARLOS |
| Legal Subdivision | OAK PARK |
| Legal Block | 13 |
| Legal Lot Number | 1,2 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 609201 |
Source: San Mateo County records, as of July 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION |
| Nov 13, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MONTERRA CREDIT UNION |
| Jul 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN MATEO CU |
| Jun 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU |
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU |
| Jun 15, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 1, 2015 |
| Transfer Doc | 0000055605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Sep 23, 2026 |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000053834 |
| Instrument Date | Sep 18, 2026 |
| Instrument | 202653834 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Address | 1662 PECAN CT, REDWOOD CITY, CA 94061-2649 |
| Document Number | 0000053834, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 202653834 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1662 PECAN CT, REDWOOD CITY, CA 94061-2649 |
| Document Number | 0000060677 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 2025-060677 |
| Name | MONTERRA CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | REDWOOD CITY, CA 94063 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Title Company | CHICAGO TITLE PIRT |
| Name | Verified Name |
|---|---|
| Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000035097 |
|---|---|
| Date | Jul 21, 2023 |
| Instrument | 2023-035097 |
| Name | SAN MATEO CU |
|---|---|
| Type | Credit Union |
| Address | REDWOOD CITY, CA 94064 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000089804 |
|---|---|
| Date | Jun 11, 2021 |
| Instrument | 2021-089804 |
| Name | SAN MATEO CU |
|---|---|
| Type | Credit Union |
| Address | REDWOOD CITY, CA 94063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2021 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000032377 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021-032377 |
| Name | SAN MATEO CU |
|---|---|
| Type | Credit Union |
| Address | SAN CARLOS, CA 94070 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000033639 |
| Instrument Date | Apr 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1315 CHESTNUT ST SAN CARLOS CA 940704714, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000033639 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 33639 |
| Name | SAN MATEO CU |
|---|---|
| Type | Credit Union |
| Address | REDWOOD CITY, CA 94063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 13, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1315 CHESTNUT ST, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000059340 |
| Instrument Date | Jun 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1315 CHESTNUT ST SAN CARLOS CA 940704714, SAN CARLOS, CA 94070-4714 |
| Document Number | 0000059340 |
|---|---|
| Date | Jul 12, 2017 |
| Instrument | 59340 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
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 | $138,242 (+2%) Land $34,978 Building $103,264 | ||
| 2025 | $2,976.00 (+5.49%) Homeowner's exemption | $135,533 (+4.04%) Land $34,293 Building $101,240 | |
| 2023 | $2,821.00 (+1.33%) Homeowner's exemption | $130,271 Land $32,962 Building $97,309 | $1,712,880 |
| 2022 | $2,784.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 7 (1996–2022) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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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