785 Cedar St, San Carlos, CA 94070 Property Records

San Mateo County property record for 785 Cedar St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,510 sqft · built 1945
Lot Size	0.133 acres (5,777 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Apr 2024)
Tax Bill	$25,783 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-141-270`

Property Details

APN / Parcel Number

Primary APN	`050-141-270`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,510 sqft Living Area
1st Floor Area	1,210 sqft
Family Room	Family Room

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	5,777 sqft (0.133 acres)
Lot Dimensions	138 ft deep x 42 ft wide
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	785 CEDAR ST
City	SAN CARLOS
State	CA
Zip	94070-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 13 BLOCK 5 LESS NELY 5.31 FT HOWARD PARK
Legal Subdivision	HOWARD PARK
Legal Block	5
Legal Lot Number	13
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2007
Census Tract	609201

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 Individual Names on Record
Mailing Address	785 CEDAR ST, SAN CARLOS, CA 94070-3029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Grant Deed, Transfer · Conventional Mortgage BMO BANK NA
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	Jun 29, 1999 · Amount on Record
Deed Document Number	202419466
Prior Transfer Date	May 23, 2007
Prior Transfer Doc	0000084057
Record Updated	Sep 20, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Apr 16, 2024
Property Address	785 CEDAR ST, SAN CARLOS, CA 94070-3029
Document Number	0000019466
Map Reference	MB 18 PG 68&69
Instrument Date	Apr 1, 2024
Instrument	2024-019466
Transaction Type	Transfer
Record Updated	May 8, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	785 CEDAR ST, SAN CARLOS, CA 94070-3029

Mortgage

Document Number	0000019467
Date	Apr 16, 2024
Instrument	2024-019467

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	785 CEDAR ST, SAN CARLOS, CA 94070-3029
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	785 CEDAR ST, SAN CARLOS, CA 94070-3029

Mortgage

Document Number	0000007302
Date	Jan 26, 2022
Instrument	2022-007302

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

Tax Assessment & Valuation

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		$2,184,840 (+2%) Land $1,805,094 Building $379,746
2025	$25,783.00 (+175.17%)	$2,142,000 (+209.71%) Land $1,769,700 Building $372,300
2023	$9,370.00 (+2.15%) Homeowner's exemption	$691,620 Land $345,810 Building $345,810	$1,887,930
2022	$9,173.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 9 (5% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1983–2023)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	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 738 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	2,000 / 250
Sonic Telecom Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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