San Mateo County property record for 640 Carmel Ave, Pacifica, CA 94044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,209 sqft · built 1956 |
| Lot Size | 0.11 acres (4,801 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,055,000 (Dec 2018) |
| Tax Bill | $20,491 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Aug 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-142-040 |
| Primary APN | 016-142-040 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 2,209 sqft Living Area |
| 1st Floor Area | 1,060 sqft |
| 2nd Floor Area | 452 sqft |
| Basement Area | 697 sqft |
| Finished Basement | 697 sqft |
| Family Room | Family Room |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Lot Area | 4,801 sqft (0.11 acres) |
| Lot Dimensions | 96 ft deep x 50 ft wide |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 640 CARMEL AVE |
|---|---|
| City | PACIFICA |
| State | CA |
| Zip | 94044-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 11 & WLY 20 FT OF LOT 10 BLOCK 30 SALADA BEACH |
| Legal Subdivision | SALADA BEACH |
| Legal Block | 30 |
| Legal Lot Number | 11,10 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SOUTH SAN FRANCISCO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 603000 |
Source: San Mateo County assessment roll, APN 016-142-040, as of 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 Individual Names on File |
|---|---|
| Mailing Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK |
| Apr 30, 2019 | Deed of Trust, Mortgage LOANDEPOT.COM LLC |
| Dec 07, 2018 | Grant Deed, Transfer CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 07, 2018 · Amount on Record |
| Deed Sale | Dec 07, 2018 · Amount on Record |
| Prior Sale | May 27, 2016 · Amount on Record |
| Deed Document Number | 201895464 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Document Number | 0000005771 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 2021-005771 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | RENO, NV 89501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 12, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Document Number | 0000084361 |
|---|---|
| Date | Aug 24, 2020 |
| Instrument | 2020-084361 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Document Number | 0000045229 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2019 |
| Title Company | AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 640 CARMEL AVE PACIFICA CA 940442413, PACIFICA, CA 94044-2413 |
| Document Number | 0000045229 |
|---|---|
| Date | Jun 13, 2019 |
| Instrument | 45229 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 12, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Dec 07, 2018 |
| Property Address | 640 CARMEL AVE, PACIFICA, CA 94044-2413 |
| Document Number | 0000095464 |
| Instrument Date | Nov 29, 2018 |
| Instrument | 95464 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 640 CARMEL AVE PACIFICA CA 940442413, PACIFICA, CA 94044-2413 |
| Document Number | 95465 |
|---|---|
| Date | Dec 07, 2018 |
| Instrument | 95465 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 06, 2048 |
Source: San Mateo County assessment roll as of 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 | $1,606,315 (+2%) Land $753,239 Building $853,076 | ||
| 2025 | $20,491.00 (+6.58%) Homeowner's exemption | $1,574,820 (+4.04%) Land $738,470 Building $836,350 | |
| 2023 | $19,226.00 (+12.11%) Homeowner's exemption | $1,513,670 Land $709,796 Building $803,874 | $1,551,960 |
| 2022 | $17,149.00 |
Source: FEMA National Flood Hazard Layer, San Mateo County (06081C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060816030001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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, 16 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system CA4110025, 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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