45 W Summit Dr, Emerald Hills (Redwood City), CA 94062 Property Records

San Mateo County property record for 45 W Summit Dr, Emerald Hills, CA 94062

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,780 sqft · built 1947
Lot Size	0.191 acres (8,315 sqft)
Owner	2 Company Names on Record
Last Sale	$469,000 (Dec 1997)
Tax Bill	$10,162 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`057-114-040`

Property Details

APN / Parcel Number

Primary APN	`057-114-040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
1st Floor Area	900 sqft
Family Room	Family Room

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,315 sqft (0.191 acres)
Lot Dimensions	160 ft deep x 52 ft wide
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	45 W SUMMIT DR
City	EMERALD HILLS
State	CA
Zip	94062-3340
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 88 EMERALD LAKE HEIGHTS RSM 26/37 38
Legal Subdivision	EMERALD LAKE
Legal Lot Number	88
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1022
Census Tract	609700

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	45 W SUMMIT DR, EMERALD HILLS, CA 94062-3340
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Nov 29, 2017	Intrafamily Transfer, Transfer · Line of Credit FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 1997 · Amount on Record
Deed Sale	Dec 19, 1997 · Amount on Record
Deed Document Number	1997167639
Last Transfer Date	Nov 22, 2017
Transfer Doc	0000106674
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	45 W SUMMIT DR, EMERALD HILLS, CA 94062-3340
Transaction Type	Mortgage
Record Updated	Apr 4, 2023
Title Company	CAL LAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 W SUMMIT DR, EMERALD HILLS, CA 94062-3340

Mortgage

Document Number	0000009612
Date	Mar 3, 2023
Instrument	2023-009612

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	3.95%
Max Rate At Change	10.9%
Index	1-Year T-Bill
Max Rate	10.9%

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Nov 29, 2017
Property Address	45 W SUMMIT DR, EMERALD HILLS, CA 94062-3340
Document Number	0000106674
Map Reference	MAP26 PG37&38
Instrument Date	Nov 22, 2017
Instrument	2017-106674
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE 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	Family Trust
Address	45 W SUMMIT DR, EMERALD HILLS, CA 94062-3340

Mortgage

Document Number	0000106675
Date	Nov 29, 2017
Instrument	2017-106675

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 26, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Elementary School District	Redwood City 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		$763,832 (+2%) Land $381,916 Building $381,916
2025	$10,162.00 (+3.64%) Homeowner's exemption	$748,856 (+4.04%) Land $374,428 Building $374,428
2023	$9,805.00 (+4.77%) Homeowner's exemption	$719,780 Land $359,890 Building $359,890	$2,209,320
2022	$9,359.00

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

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 8 (10% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	8 (1982–2010)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Jan 2010 · rainfall accumulation

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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	CITY OF REDWOOD CITY serves 90,043 people · EPA ID CA4110022
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	Under 1 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Etheric Networks.

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