184 Cedar St, San Carlos, CA 94070 Property Records

San Mateo County property record for 184 Cedar St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,970 sqft · built 1947
Lot Size	0.14 acres (6,090 sqft)
Owner	2 Individual Names on File
Last Sale	$2,801,000 (Apr 2021)
Tax Bill	$28,406 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-303-100`

Property Details

APN / Parcel Number

Primary APN	`045-303-100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,970 sqft Living Area
1st Floor Area	1,140 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	6,090 sqft (0.14 acres)
Lot Dimensions	105 ft deep x 58 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	184 CEDAR ST
City	SAN CARLOS
State	CA
Zip	94070-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 17 BLOCK 5 GARDEN TERRACES RSM 25/25 26 27 CITY OF SAN CARLOS
Legal Subdivision	GARDEN TERRACES
Legal Block	5
Legal Lot Number	17
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1016
Census Tract	609202

Owner

184 Cedar St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	184 CEDAR ST, SAN CARLOS, CA 94070-2107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 30, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 25, 2019	Deed of Trust, Mortgage VETERANS HM FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Apr 29, 2010 · Amount on File
Deed Document Number	202169471
Prior Transfer Date	Jan 29, 2004
Prior Transfer Doc	0000037364
Record Updated	Oct 29, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Apr 30, 2021
Property Address	184 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000069471
Map Reference	MB 25 PG 25-27
Instrument Date	Apr 27, 2021
Instrument	2021-069471
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,081.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	184 CEDAR ST, SAN CARLOS, CA 94070-2107

Mortgage

Document Number	0000069472
Date	Apr 30, 2021
Instrument	2021-069472

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	Other
Max Rate	7.75%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	184 CEDAR ST, SAN CARLOS, CA 94070-2107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052650
Date	Jun 20, 2017
Instrument	2017-052650

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	184 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000080875
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 CEDAR ST SAN CARLOS CA 940702107, SAN CARLOS, CA 94070-2107

Mortgage

Document Number	0000080875
Date	Oct 1, 2019
Instrument	80875

Lender

Name	VETERANS HM FIN
Address	2325 CAMINO DEL RIO S # 225, SAN DIEGO, CA 92108

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 184 Cedar St was $28,406.

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		$2,430,000 (+2.23%) Land $1,821,500 Building $608,500
2025	$28,406.00	$2,377,000 Land $1,782,000 Building $595,000
2023	$29,191.00 (-12.14%)	$2,914,160 Land $2,184,840 Building $729,320	$2,204,280
2022	$33,223.00

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

Flood

FEMA maps place 184 Cedar St in Zone X, an area of minimal flood risk.

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	2 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

The area around 184 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 809 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Etheric Networks, GeoLinks.

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