840 Elm St, San Carlos, CA 94070 Property Records

San Mateo County property record for 840 Elm St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,350 sqft · built 1950
Lot Size	0.144 acres (6,279 sqft)
Owner	2 Trust Names on File
Last Sale	$430,000 (May 1999)
Tax Bill	$10,514 (2025)
Deeds & Mortgages	Oct 2017 Transfer Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-162-040`

Property Details

APN / Parcel Number

Primary APN	`050-162-040`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	960 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,279 sqft (0.144 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	840 ELM ST
City	SAN CARLOS
State	CA
Zip	94070-3063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 11 BLOCK 2 HOWARD PARK
Legal Subdivision	HOWARD PARK
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2014
Census Tract	609201

Owner

840 Elm St is owner-occupied and held in a trust since October 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	840 ELM ST, SAN CARLOS, CA 94070-3063
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
Oct 31, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY
Oct 26, 2017	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 1999 · Amount on File
Deed Sale	May 11, 1999 · Amount on File
Prior Sale	Aug 17, 1995 · Amount on File
Deed Document Number	199982374
Last Transfer Date	Oct 13, 2017
Transfer Doc	0000096411
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 31, 2017
Property Address	840 ELM ST, SAN CARLOS, CA 94070-3063
Document Number	0000096411
Instrument Date	Oct 13, 2017
Instrument	96411
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	840 ELM ST SAN CARLOS CA 940703063, SAN CARLOS, CA 94070-3063

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 26, 2017
Property Address	840 ELM ST, SAN CARLOS, CA 94070-3063
Document Number	0000094839
Instrument Date	Oct 13, 2017
Instrument	94839
Transaction Type	Transfer
Record Updated	Nov 27, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	840 ELM ST SAN CARLOS CA 940703063, SAN CARLOS, CA 94070-3063

Mortgage

Document Number	94840
Date	Oct 26, 2017
Instrument	94840

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 25, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 840 Elm St was $10,514 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		$796,587 (+2%) Land $343,787 Building $452,800
2025	$10,514.00 Homeowner's exemption	$780,970 Land $337,047 Building $443,923
2023	$10,024.00 (+2.18%) Homeowner's exemption	$750,647 Land $323,960 Building $426,687	$1,689,840
2022	$9,810.00

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

Flood

FEMA maps place 840 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

The area around 840 Elm 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 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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