San Mateo County property record for 245 Ruby Ave, San Carlos, CA 94070 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4.5 Baths |
| Year Built | Built 1940 |
| Square Footage | 2,402 sqft Living Area |
| Lot Size | 4,400 sqft (0.101 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,360,000 (2020) |
| Tax Bill | $37,557.00 (2025) |
| Primary APN | 051-232-080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,402 sqft Living Area |
| 1st Floor | 1,220 sqft 1st Floor |
| Family Room | Family Room |
| Stories | 1 Stories |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Lot Area | 4,400 sqft (0.101 acres) |
| Depth X Width | 110 ft x 40 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 236 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 245 RUBY AVE |
|---|---|
| City | SAN CARLOS |
| State | CA |
| Zip | 94070-4672 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SELY 10 FT OF LOT 7 & NWLY 30 FT OF LOT 8 BLOCK 10 WHITE OAKS TRACT 2 |
| Legal Subdivision | WHITE OAKS TRACT 2 |
| Legal Tract | 2 |
| Legal Block | 10 |
| Legal Lot Number | 7,8 |
| Jurisdiction | SAN MATEO CA |
| Minor Civil Division | SAN MATEO |
| Census Blockgroup | 2 |
| Census Block | 2017 |
| Census Tract | 609300 |
Source: San Mateo County records · APN 051-232-080
Assessment roll updated July 15, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 245 RUBY AVE, SAN CARLOS, CA 94070-4672 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK |
| Jan 06, 2020 | Grant Deed, Transfer TIAA FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2020 · Amount on Record |
| Deed Sale | Jan 06, 2020 · Amount on Record |
| Deed Doc Number | 2020866 |
| Prior Transfer Date | Sep 09, 2014 |
| Prior Transfer Doc | 0000086308 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 245 RUBY AVE, SAN CARLOS, CA 94070-4672 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 245 RUBY AVE, SAN CARLOS, CA 94070-4672 |
| Document Number | 0000073584 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 2022-073584 |
| Name | FIRST REPUBLIC BANK |
|---|---|
| Type | Bank |
| Address | SAN FRANCISCO, CA 94111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.45% |
| Type Change Date | Nov 01, 2029 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Min Rate At Change | 2.95% |
| Index | 52-Week T-Bill (1-Year) |
| Max Rate | 10.9% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Jan 06, 2020 |
| Property Address | 245 RUBY AVE, SAN CARLOS, CA 94070-4672 |
| Document Number | 0000000866 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 866 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2020 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,496.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 245 RUBY AVE SAN CARLOS CA 940704672, SAN CARLOS, CA 94070-4672 |
| Document Number | 867 |
|---|---|
| Date | Jan 06, 2020 |
| Instrument | 867 |
| Name | TIAA FSB |
|---|---|
| Address | 301 W BAY ST, JACKSONVILLE, FL 32202-5184 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 05, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,260,876 (+2%) Land $1,561,724 Building $1,699,152 | ||
| 2025 | $37,557.00 (+4.88%) | $3,196,938 (+4.04%) Land $1,531,102 Building $1,665,836 | |
| 2023 | $35,810.00 (+47.46%) | $3,072,799 Land $1,471,649 Building $1,601,150 | $2,915,640 |
| 2022 | $24,284.00 |
245 Ruby Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · San Mateo County (06081C), updated September 10, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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