San Mateo County property record for 495 Carmel Ave, Pacifica, CA 94044
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 780 sqft · built 1995 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $625,000 (Dec 2016) |
| Tax Bill | $10,015 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-122-100 |
| Primary APN | 016-122-100 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 780 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Family Room | Family Room |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Corner |
| Garage Area | 510 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 495 CARMEL AVE |
|---|---|
| City | PACIFICA |
| State | CA |
| Zip | 94044-2411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 28 & ELY 20 FT OF LOT 27 BLOCK 24 SALADA BEACH |
| Legal Subdivision | SALADA BEACH |
| Legal Block | 24 |
| Legal Lot Number | 28,27 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SOUTH SAN FRANCISCO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 603000 |
Source: San Mateo County records · APN 016-122-100
Assessment roll updated July 15, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 520 FREMONT AVE, PACIFICA, CA 94044-1913 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Jan 23, 2018 | Deed of Trust, Mortgage · ARM MUFG UNION BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 14, 2016 · Amount on Record |
| Deed Sale | Dec 14, 2016 · Amount on Record |
| Prior Sale | Aug 18, 2016 · Amount on Record |
| Deed Document Number | 2016132603 |
| Prior Transfer Date | Feb 27, 2002 |
| Prior Transfer Doc | 0000065090 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 495 CARMEL AVE, PACIFICA, CA 94044-2411 |
| Transaction Type | Mortgage |
| Record Updated | Jul 07, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 520 FREMONT AVE, PACIFICA, CA 94044-1913 |
| Document Number | 0000093301 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 2021-093301 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 495 CARMEL AVE, PACIFICA, CA 94044-2411 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004159 |
|---|---|
| Date | Jan 23, 2018 |
| Instrument | 2018-004159 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Feb 01, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.75% |
| Index | 1-Year LIBOR |
| Max Rate | 9.75% |
Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $739,865 (+2%) Land $710,274 Building $29,591 | ||
| 2025 | $10,015.00 (+7.36%) | $725,359 (+4.04%) Land $696,348 Building $29,011 | |
| 2023 | $9,328.00 (+6.31%) | $697,195 Land $669,309 Building $27,886 | $949,140 |
| 2022 | $8,774.00 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 399 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH COAST COUNTY WATER DIST serves 38,546 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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