49 Cedar St, San Carlos, CA 94070 Property Records

San Mateo County property record for 49 Cedar St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,980 sqft · built 1951
Lot Size	0.148 acres (6,458 sqft)
Owner	2 Trust Names on File
Last Sale	$1,950,000 (Oct 2018)
Tax Bill	$26,076 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-304-190`

Property Details

APN / Parcel Number

Primary APN	`045-304-190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	1,590 sqft
2nd Floor Area	110 sqft
Basement Area	570 sqft
Family Room	Family Room

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	6,458 sqft (0.148 acres)
Lot Dimensions	118 ft deep x 55 ft wide
Garage Type	Basement
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	49 CEDAR ST
City	SAN CARLOS
State	CA
Zip	94070-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 6 BLOCK 21 GARDEN TERRACES SUB NO 2 RSM 29/23 24 25 CITY OF SAN CARLOS
Legal Subdivision	GARDEN TERRACES
Legal Block	21
Legal Lot Number	6
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1011
Census Tract	609202

Owner

49 Cedar St is owner-occupied and held in a trust since November 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 16, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 15, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on File
Deed Sale	Oct 15, 2018 · Amount on File
Deed Document Number	201879617
Last Transfer Date	Nov 21, 2019
Transfer Doc	0000098807
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103

Mortgage

Document Number	0000058404
Date	Apr 12, 2021
Instrument	2021-058404

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Dec 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023467
Date	Apr 2, 2019
Instrument	2019-023467

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Oct 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068301
Date	Jul 16, 2020
Instrument	2020-068301

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 7, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 22, 2019
Property Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103
Document Number	0000098807
Instrument Date	Nov 21, 2019
Instrument	98807
Transaction Type	Transfer
Record Updated	Dec 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	49 CEDAR ST SAN CARLOS CA 940702103, SAN CARLOS, CA 94070-2103

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 15, 2018
Property Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103
Document Number	0000079617
Map Reference	MB29 PG23-25
Instrument Date	Oct 5, 2018
Instrument	2018-079617
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	49 CEDAR ST, SAN CARLOS, CA 94070-2103

Mortgage

Document Number	0000079618
Date	Oct 15, 2018
Instrument	2018-079618

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 49 Cedar St was $26,076 with a homeowner's exemption.

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		$2,218,761 (+2%) Land $1,553,135 Building $665,626
2025	$26,076.00 Homeowner's exemption	$2,175,257 Land $1,522,682 Building $652,575
2023	$24,860.00 (+2.45%) Homeowner's exemption	$2,090,791 Land $1,463,555 Building $627,236	$2,209,950
2022	$24,265.00

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

Flood

FEMA maps place 49 Cedar St in Zone X, an area of minimal flood risk.

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	2 in force

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

The area around 49 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.

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 444 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 · Fiber in parts of the area	2,000 / 250
Sonic Telecom Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Etheric Networks, GeoLinks, T-Mobile.

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