1321 Cedar St, Montara, CA 94037 Property Records

San Mateo County property record for 1321 Cedar St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,640 sqft · built 1990
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on File
Last Sale	$1,150,000 (Nov 2019)
Tax Bill	$16,777 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Nov 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`036-111-230`

Property Details

APN / Parcel Number

Primary APN	`036-111-230`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,640 sqft Living Area
Gross Area	3,150 sqft
1st Floor Area	1,410 sqft
2nd Floor Area	1,230 sqft
Basement Area	510 sqft
Family Room	Family Room
Study	Study
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	6,784 ft deep x 6,784 ft wide
Garage Type	Basement
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1321 CEDAR ST
City	MONTARA
State	CA
Zip	94037-9920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOTS 15 16 BLK 9 MONTARA AMEND & SUPP RSM 5/35
Legal Subdivision	MONTARA AMEND & SUPP
Legal Block	9
Legal Lot Number	15
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5035
Census Tract	613600

Owner

1321 Cedar St is owned and occupied by two individuals who bought it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 370455, MONTARA, CA 94037-0455
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 1, 2017	Loan Modification, Mortgage · Conventional Mortgage WASHINGTON MUTUAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2019 · Amount on File
Deed Sale	Nov 8, 2019 · Amount on File
Prior Sale	Feb 20, 2003 · Amount on File
Deed Document Number	201994343
Prior Transfer Date	Feb 2, 2001
Prior Transfer Doc	0000016833
Record Updated	Oct 29, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 8, 2019
Property Address	1321 CEDAR ST, MONTARA, CA 94037
Document Number	0000094343
Map Reference	MB 5 PG 35
Instrument Date	Nov 5, 2019
Instrument	2019-094343
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,265.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 370455, MONTARA, CA 94037-0455

Mortgage

Document Number	0000094344
Date	Nov 8, 2019
Instrument	2019-094344

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

November 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN MATEO CA
Property Address	1321 CEDAR ST, MONTARA, CA 94037
Document Number	0000101783
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 CEDAR ST MONTARA CA 94037, MONTARA, CA 94037

Mortgage

Document Number	0000101783
Date	Nov 15, 2017
Instrument	101783

Lender

Name	WASHINGTON MUTUAL BK
Type	Bank
Address	SALT LAKE CITY, UT 84119

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 14, 2032

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1321 Cedar St was $16,777 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,282,841 (+2%) Land $323,498 Building $959,343
2025	$16,777.00 Homeowner's exemption	$1,257,688 Land $317,155 Building $940,533
2023	$15,285.00 (+0.82%) Homeowner's exemption	$1,208,853 Land $304,841 Building $904,012	$1,731,690
2022	$15,160.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1321 Cedar St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force

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

Wildfire risk around 1321 Cedar St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures