San Mateo County property record for 395 Carmel Ave, Pacifica, CA 94044
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 760 sqft · built 1928 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $630,000 (Aug 2007) |
| Tax Bill | $11,135 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-084-110 |
| Primary APN | 016-084-110 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 760 sqft Living Area |
| 1st Floor Area | 760 sqft |
| Family Room | Family Room |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| View / Lot | Corner |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 395 CARMEL AVE |
|---|---|
| City | PACIFICA |
| State | CA |
| Zip | 94044-2409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOTS 27 28 BLOCK 25 SALADA BEACH |
| Legal Subdivision | SALADA BEACH |
| Legal Block | 25 |
| Legal Lot Number | 27 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SOUTH SAN FRANCISCO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 603000 |
395 Carmel Ave is owned and occupied by two individuals who bought it in August 2007.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 395 CARMEL AVE, PACIFICA, CA 94044-2409 |
| 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.
| Date | Document |
|---|---|
| Jan 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2007 · Amount on File |
| Deed Sale | Aug 31, 2007 · Amount on File |
| Deed Document Number | 2007131016 |
| Prior Transfer Date | Dec 3, 1993 |
| Prior Transfer Doc | 0000064177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 395 CARMEL AVE, PACIFICA, CA 94044-2409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000004745 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 2020-004745 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 395 CARMEL AVE, PACIFICA, CA 94044-2409 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 395 CARMEL AVE, PACIFICA, CA 94044-2409 |
| Document Number | 0000084919 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 2020-084919 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 395 Carmel Ave was $11,135 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 | $844,052 (+2%) Land $422,026 Building $422,026 | ||
| 2025 | $11,135.00 Homeowner's exemption | $827,502 Land $413,751 Building $413,751 | |
| 2023 | $10,383.00 (+6.39%) Homeowner's exemption | $795,372 Land $397,686 Building $397,686 | $796,860 |
| 2022 | $9,759.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 395 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 395 Carmel Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures