1340 Cedar St, Montara, CA 94037 Property Records

San Mateo County property record for 1340 Cedar St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,240 sqft · built 1985
Lot Size	0.144 acres (6,250 sqft)
Owner	2 Company Names on File
Tax Bill	$9,122 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-104-360`

Property Details

APN / Parcel Number

Primary APN	`036-104-360`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	2,710 sqft
1st Floor Area	1,120 sqft
2nd Floor Area	1,120 sqft
Basement Area	470 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1340 CEDAR ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOTS 18 & 19 BLK 8 MONTARA AMEND & SUPP RSM 5/35
Legal Subdivision	MONTARA AMEND & SUPP
Legal Block	8
Legal Lot Number	18,19
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5035
Census Tract	613600

Owner

1340 Cedar St is owned by a company that acquired it in September 2018.

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

Owner of Record	2 Company Names on File
Mailing Address	1340 CEDAR ST, MONTARA, CA 94037
Owner Type	Company
Vesting	Life Tenant

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
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Oct 8, 2025	Intrafamily Transfer, Transfer · Line of Credit BUTTON FINANCE INC
May 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 14, 2018
Transfer Doc	0000039550
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1340 CEDAR ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 CEDAR ST, MONTARA, CA 94037

Mortgage

Document Number	0000081590
Date	May 25, 2021
Instrument	2021-081590

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Oct 8, 2025
Property Address	1340 CEDAR ST, MONTARA, CA 94037
Document Number	0000052953
Map Reference	MB 5 PG 35
Instrument Date	Sep 29, 2025
Instrument	2025-052953
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	ACCOMODATION, ACCOMMODATION

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	Living Trust
Address	1340 CEDAR ST, MONTARA, CA 94037

Mortgage

Document Number	0000052954
Date	Oct 8, 2025
Instrument	2025-052954

Lender

Name	BUTTON FINANCE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 24, 2019
Property Address	1340 CEDAR ST, MONTARA, CA 94037
Document Number	0000039550
Instrument Date	Sep 14, 2018
Instrument	39550
Transaction Type	Transfer
Record Updated	Jun 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 370861 MONTARA CA 940370861, MONTARA, CA 94037-0861

Tax Assessment & Valuation

The 2025 property tax bill for 1340 Cedar St was $9,122, up 7.1% from the year before.

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		$589,426 (+2%) Land $294,713 Building $294,713
2025	$9,122.00 (+7.12%) Homeowner's exemption	$577,870 Land $288,935 Building $288,935
2024	$8,516.00 (+3.16%)
2023	$8,255.00 (+1.95%) Homeowner's exemption	$555,432 Land $277,716 Building $277,716	$1,307,880
2022	$8,097.00

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

Flood

FEMA maps place 1340 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 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 1340 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)

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