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495 Carmel Ave, Pacifica, CA 94044 Property Records

San Mateo County property record for 495 Carmel Ave, Pacifica, CA 94044 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 780 sqft · built 1995
Lot Size0.115 acres (5,000 sqft)
Owner2 Company Names on File
Last Sale$625,000 (Dec 2016)
Tax Bill$10,015 (2025)
Deeds & MortgagesJun 2021 Mortgage
Jan 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN016-122-100

Property Details

APN / Parcel Number

Primary APN016-122-100

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Building Area780 sqft Living Area
1st Floor Area780 sqft
Family RoomFamily Room

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Lot Area5,000 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide
View / LotCorner
Garage Area510 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address495 CARMEL AVE
CityPACIFICA
StateCA
Zip94044-2411
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 28 & ELY 20 FT OF LOT 27 BLOCK 24 SALADA BEACH
Legal SubdivisionSALADA BEACH
Legal Block24
Legal Lot Number28,27
JurisdictionSAN MATEO CA
Township / Civil DivisionSOUTH SAN FRANCISCO
Census Block Group1
Census Block1009
Census Tract603000

Owner

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 Record2 Company Names on File
Mailing Address520 FREMONT AVE, PACIFICA, CA 94044-1913
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Jun 18, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE INC
Jan 23, 2018Deed of Trust, Mortgage · ARM
MUFG UNION BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 14, 2016 · Amount on Record
Deed SaleDec 14, 2016 · Amount on Record
Prior SaleAug 18, 2016 · Amount on Record
Deed Document Number2016132603
Prior Transfer DateFeb 27, 2002
Prior Transfer Doc0000065090
Record UpdatedSep 20, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN MATEO CA
Property Address495 CARMEL AVE, PACIFICA, CA 94044-2411
Transaction TypeMortgage
Record UpdatedJul 07, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 FREMONT AVE, PACIFICA, CA 94044-1913

Mortgage

Document Number0000093301
DateJun 18, 2021
Instrument2021-093301
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN MATEO CA
Property Address495 CARMEL AVE, PACIFICA, CA 94044-2411
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000004159
DateJan 23, 2018
Instrument2018-004159
Lender
NameMUFG UNION BANK NA
TypeBank
AddressSAN DIEGO, CA 92121
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueFeb 01, 2048
Interest
Rate TypeAdjustable Rate
Rate3.37%
Type Change DateFeb 01, 2025
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change5.75%
Index1-Year LIBOR
Max Rate9.75%

Tax Assessment & Valuation

Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Mateo County
MunicipalityPacifica City
Secondary School DistrictJefferson Union High School District (09 - 12)
Elementary School DistrictPacifica School District (KG - 08)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed 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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Mateo County (06081C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060816030001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims4 (1982–1998)
Claims Outside the SFHA4 of 4
Most Recent ClaimMar 1998, rainfall accumulation, Severe Winter Storms And Flooding
Claims By Storm
  • Severe Winter Storms And Flooding, Mar 1998 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 399 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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