1722 Arroyo Ave, San Carlos, CA 94070 Property Records

San Mateo County property record for 1722 Arroyo Ave, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,177 sqft · built 1938
Lot Size	0.161 acres (7,017 sqft)
Owner	2 Individual Names on File
Last Sale	$1,590,000 (Feb 2018)
Tax Bill	$31,055 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`050-141-320`

Property Details

APN / Parcel Number

Primary APN	`050-141-320`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,177 sqft Living Area
1st Floor Area	1,247 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	7,017 sqft (0.161 acres)
Lot Dimensions	75 ft deep x 88 ft wide
View / Lot	Corner
Garage Area	422 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1722 ARROYO AVE
City	SAN CARLOS
State	CA
Zip	94070-3809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 25 BLK 5 HOWARD PARK RSM 18/68 & ADJ PTN OF CHESTNUT ST ABAND
Legal Subdivision	HOWARD PARK
Legal Block	5
Legal Lot Number	25
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2007
Census Tract	609201

Owner

1722 Arroyo Ave is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 17, 2018	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Feb 21, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2018 · Amount on File
Deed Sale	Feb 21, 2018 · Amount on File
Prior Sale	Oct 27, 2016 · Amount on File
Deed Document Number	201812041
Prior Transfer Date	Jun 3, 2015
Prior Transfer Doc	0000072518
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019840
Date	Mar 4, 2020
Instrument	2020-019840

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055697
Date	Jul 17, 2018
Instrument	2018-055697

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809

Mortgage

Document Number	0000140723
Date	Dec 7, 2020
Instrument	2020-140723

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 21, 2018
Property Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809
Document Number	0000012041
Map Reference	MB18 PG68&69
Instrument Date	Feb 14, 2018
Instrument	2018-012041
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1722 ARROYO AVE, SAN CARLOS, CA 94070-3809

Mortgage

Document Number	0000012042
Date	Feb 21, 2018
Instrument	2018-012042

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.22%
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Margin	3
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1722 Arroyo Ave was $31,055 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
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	Assessed Market Value
2026		$2,673,768 (+2%) Land $1,508,759 Building $1,165,009
2025	$31,055.00 Homeowner's exemption	$2,621,343 Land $1,479,176 Building $1,142,167
2023	$29,607.00 (+2.48%) Homeowner's exemption	$2,519,556 Land $1,421,739 Building $1,097,817	$2,502,450
2022	$28,890.00

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

Flood

FEMA maps place 1722 Arroyo Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1983.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1983–2023)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

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 1722 Arroyo Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 738 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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