San Mateo County property record for 1440 Howard Ave, San Carlos, CA 94070
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,930 sqft · built 1946 |
| Lot Size | 0.113 acres (4,940 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $2,700,000 (Apr 2026) |
| Tax Bill | $26,368 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-305-340 |
| Primary APN | 051-305-340 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,930 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 4,940 sqft (0.113 acres) |
| Lot Dimensions | 127 ft deep x 39 ft wide |
| Garage Area | 238 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1440 HOWARD AVE |
|---|---|
| City | SAN CARLOS |
| State | CA |
| Zip | 94070-4928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | E 40 FT OF LOT 20 BLOCK 15 OAK PARK RSM 12/26 29 CITY OF SANCARLOS |
| Legal Subdivision | OAK PARK |
| Legal Block | 15 |
| Legal Lot Number | 20 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 1 |
| Census Block | 1008 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 14, 2026 | Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A |
| Mar 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 21, 2018 | Grant Deed, Transfer · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on Record |
| Deed Sale | Apr 14, 2026 · Amount on Record |
| Prior Sale | Sep 21, 2018 · Amount on Record |
| Deed Document Number | 202619398 |
| Prior Transfer Date | Jan 14, 2011 |
| Prior Transfer Doc | 0000022259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Investor | Possibly a Property Investor |
| Document Number | 0000135797 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 2021-135797 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.37% |
| Index | Other |
| Max Rate | 7.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Apr 14, 2026 |
| Property Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Document Number | 0000019398 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202619398 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $299,970.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Document Number | 0000019399, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 202619399 |
| Name | JPMORGAN CHASE BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000019876 |
|---|---|
| Date | Mar 4, 2020 |
| Instrument | 2020-019876 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Sep 21, 2018 |
| Property Address | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Document Number | 0000073941 |
| Map Reference | MB12 PG26-29 |
| Instrument Date | Sep 10, 2018 |
| Instrument | 2018-073941 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LAWYERS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| 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 | 1440 HOWARD AVE, SAN CARLOS, CA 94070-4928 |
| Document Number | 0000073943 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 2018-073943 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Oct 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
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 | $2,238,281 (+2%) Land $1,422,285 Building $815,996 | ||
| 2025 | $26,368.00 (+0.88%) | $2,194,395 (+4.04%) Land $1,394,398 Building $799,997 | |
| 2024 | $26,137.00 (+3.96%) | ||
| 2023 | $25,141.00 (+2.44%) | $2,109,186 Land $1,340,252 Building $768,934 | $2,148,300 |
| 2022 | $24,541.00 |
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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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