40 Pine Ave, San Carlos, CA 94070 Property Records

San Mateo County property record for 40 Pine Ave, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,300 sqft · built 1870
Lot Size	0.514 acres (22,388 sqft)
Owner	2 Company Names on Record
Last Sale	$4,560,000 (Apr 2025)
Tax Bill	$9,443 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`049-353-240`

Property Details

APN / Parcel Number

Primary APN	`049-353-240`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,300 sqft Living Area
1st Floor Area	1,240 sqft
2nd Floor Area	790 sqft
Family Room	Family Room

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Lot Area	22,388 sqft (0.514 acres)
Garage Area	590 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	40 PINE AVE
City	SAN CARLOS
State	CA
Zip	94070-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22386 SQ FT MOL LOT 16 & PTN 15 BLK 5 SAN CARLOS MANOR RSM 14/30 & PTN OF PINE ST ABAND
Legal Subdivision	SAN CARLOS MANOR
Legal Block	5
Legal Lot Number	16
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2015
Census Tract	609500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	40 PINE AVE, SAN CARLOS, CA 94070-2933
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025 · Amount on Record
Deed Sale	Apr 1, 2025 · Amount on Record
Prior Sale	Apr 27, 2000 · Amount on Record
Deed Document Number	202514870
Prior Transfer Date	Jun 5, 2013
Prior Transfer Doc	0000092618
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 PINE AVE, SAN CARLOS, CA 94070-2933
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 PINE AVE, SAN CARLOS, CA 94070-2933

Mortgage

Document Number	0000067987
Date	Dec 12, 2025
Instrument	2025-067987

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 16, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	40 PINE AVE, SAN CARLOS, CA 94070-2933
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 PINE AVE, SAN CARLOS, CA 94070-2933

Mortgage

Document Number	0000053863
Date	Oct 10, 2025
Instrument	2025-053863

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.15%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	SOFR Average 30-Day
Max Rate	10.1%

Tax Assessment & Valuation

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		$4,651,200 (+579.01%) Land $2,790,720 Building $1,860,480
2025	$9,443.00 (+13.92%) Homeowner's exemption	$685,000 (+15.32%) Land $411,000 Building $274,000
2023	$8,289.00 (-24.11%) Homeowner's exemption	$594,000 Land $356,000 Building $238,000	$2,133,900
2022	$10,922.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	4 in force
Nearby Flood Claims	11 (1979–1998)
Claims Outside the SFHA	7 of 11
Most Recent Claim	Aug 1998 · other causes
Claims by Event	Severe Storms & Flooding, Feb 1986 · 3 claims Coastal Storms, Floods, Slides & Tornadoes, Feb 1983 · 2 claims

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, 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
Etheric Networks Fixed Wireless	250 / 100

May also be available: T-Mobile.

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