198 Cedar St, San Carlos, CA 94070 Property Records

San Mateo County property record for 198 Cedar St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,365 sqft · built 1948
Lot Size	0.154 acres (6,693 sqft)
Owner	2 Individual Names on File
Last Sale	$3,000,000 (May 2023)
Tax Bill	$36,712 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-303-110`

Property Details

APN / Parcel Number

Primary APN	`045-303-110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,365 sqft Living Area
1st Floor Area	1,080 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,693 sqft (0.154 acres)
Lot Dimensions	105 ft deep x 64 ft wide
View / Lot	Corner
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	198 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 18 BLOCK 5 GARDEN TERRACES RSM 25/25 26 27 CITY OF SAN CARLOS
Legal Subdivision	GARDEN TERRACES
Legal Block	5
Legal Lot Number	18
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1016
Census Tract	609202

Owner

198 Cedar St is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 12, 2023	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL
May 31, 2018	Grant Deed, Transfer BANK OF AMERICA
May 31, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on File
Deed Sale	May 12, 2023 · Amount on File
Prior Sale	May 31, 2018 · Amount on File
Deed Document Number	202322361
Prior Transfer Date	Jun 4, 2020
Prior Transfer Doc	0000057313
Record Updated	Oct 29, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 12, 2023
Property Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000022361
Map Reference	MB 25 PG 25-27
Instrument Date	May 4, 2023
Instrument	2023-022361
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,300.00
Amount Accuracy	Rounded by County
Additional	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	198 CEDAR ST, SAN CARLOS, CA 94070-2107

Mortgage

Document Number	0000022362
Date	May 12, 2023
Instrument	2023-022362

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jun 19, 2020
Property Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000057313
Map Reference	MB 25 PG 25-27
Instrument Date	Jun 4, 2020
Instrument	2020-057313
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE INS CO

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	Community Property with Right of Survivorship
Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107

Mortgage

Document Number	0000057314
Date	Jun 19, 2020
Instrument	2020-057314

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000057284
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 10, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 CEDAR ST SAN CARLOS CA 940702107, SAN CARLOS, CA 94070-2107

Mortgage

Document Number	0000057284
Date	Jul 23, 2018
Instrument	57284

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	OAKLAND, CA 94612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 31, 2018
Property Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000041732
Instrument Date	May 24, 2018
Instrument	41732
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,475.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	198 CEDAR ST SAN CARLOS CA 940702107, SAN CARLOS, CA 94070-2107

Mortgage

Document Number	41733
Date	May 31, 2018
Instrument	41733

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 31, 2018
Property Address	198 CEDAR ST, SAN CARLOS, CA 94070-2107
Document Number	0000042176
Instrument Date	May 23, 2018
Instrument	42176
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	198 CEDAR ST SAN CARLOS CA 940702107, SAN CARLOS, CA 94070-2107

Tax Assessment & Valuation

The 2025 property tax bill for 198 Cedar St was $36,712.

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		$3,183,623 (+2%) Land $2,175,476 Building $1,008,147
2025	$36,712.00	$3,121,200 Land $2,132,820 Building $988,380
2023	$28,956.00 (+2.48%) Homeowner's exemption	$2,460,701 Land $1,722,492 Building $738,209	$2,607,750
2022	$28,255.00

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

Flood

FEMA maps place 198 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 198 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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