San Mateo County property record for 343 Carmel Ave, Pacifica, CA 94044
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,810 sqft · built 1948 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $762,000 (Sep 2012) |
| Tax Bill | $13,153 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-082-040 |
| Primary APN | 016-082-040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,810 sqft Living Area |
| Gross Area | 2,430 sqft |
| 1st Floor Area | 270 sqft |
| 2nd Floor Area | 770 sqft |
| Basement Area | 620 sqft |
| Family Room | Family Room |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 3,000 sqft (0.069 acres) |
| Lot Dimensions | 100 ft deep x 30 ft wide |
| View / Lot | Corner |
| Garage Type | Basement |
| Garage Area | 620 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 343 CARMEL AVE |
|---|---|
| City | PACIFICA |
| State | CA |
| Zip | 94044-2408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 24 BLOCK 26 SALADA BEACH |
| Legal Subdivision | SALADA BEACH |
| Legal Block | 26 |
| Legal Lot Number | 24 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SOUTH SAN FRANCISCO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 603000 |
343 Carmel Ave is owned and occupied by two individuals who bought it in September 2012.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 343 CARMEL AVE, PACIFICA, CA 94044-2408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 9, 2023 | Deed of Trust, Mortgage · Line of Credit STANFORD FCU |
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STANFORD FCU |
| Mar 4, 2020 | Deed of Trust, Mortgage · Line of Credit STANFORD FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2012 · Amount on File |
| Deed Sale | Sep 13, 2012 · Amount on File |
| Deed Document Number | 2012131789 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 343 CARMEL AVE, PACIFICA, CA 94044-2408 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 343 CARMEL AVE, PACIFICA, CA 94044-2408 |
| Document Number | 0000059904 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 2023-059904 |
| Name | STANFORD FCU |
|---|---|
| Type | Credit Union |
| Address | PALO ALTO, CA 94303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 343 CARMEL AVE, PACIFICA, CA 94044-2408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000006277 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 2020-006277 |
| Name | STANFORD FCU |
|---|---|
| Type | Credit Union |
| Address | PALO ALTO, CA 94303 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Feb 1, 2030 |
| 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 | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 343 CARMEL AVE, PACIFICA, CA 94044-2408 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019696 |
|---|---|
| Date | Mar 4, 2020 |
| Instrument | 2020-019696 |
| Name | STANFORD FCU |
|---|---|
| Type | Credit Union |
| Address | PALO ALTO, CA 94303 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 15, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 343 Carmel Ave was $13,153 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | Pacifica City |
| Secondary School District | Jefferson Union High School District (09 - 12) |
| Elementary School District | Pacifica School District (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $957,102 (+2%) Land $478,551 Building $478,551 | ||
| 2025 | $13,153.00 Homeowner's exemption | $938,336 Land $469,168 Building $469,168 | |
| 2023 | $12,769.00 (+3.6%) Homeowner's exemption | $901,900 Land $450,950 Building $450,950 | $970,920 |
| 2022 | $12,325.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 343 Carmel Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.
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 8 (10% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 4 (1982–1998) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Mar 1998 · Severe Winter Storms And Flooding |
| 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.
Wildfire risk around 343 Carmel Ave is low, with 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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | NORTH COAST COUNTY WATER DIST serves 38,546 people · EPA ID CA4110025 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2023–2025) 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 399 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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