887 Elm St, San Carlos, CA 94070 Property Records

San Mateo County property record for 887 Elm St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,540 sqft · built 2019
Lot Size	0.115 acres (5,003 sqft)
Owner	2 Trust Names on File
Last Sale	$2,710,000 (Jan 2020)
Tax Bill	$34,877 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`050-163-460`

Property Details

APN / Parcel Number

Primary APN	`050-163-460`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,540 sqft Living Area
Gross Area	3,010 sqft
1st Floor Area	1,314 sqft
2nd Floor Area	1,226 sqft
Basement Area	470 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	5,003 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	887 ELM ST
City	SAN CARLOS
State	CA
Zip	94070-3062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 PARCEL MAP 82/64-65
Legal Subdivision	PARCEL MAP NO 2 74
Legal Lot Number	1
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2009
Census Tract	609201

Owner

887 Elm St is owner-occupied and held in a trust since January 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	887 ELM ST, SAN CARLOS, CA 94070-3062
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
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Jan 3, 2020	Grant Deed, Transfer SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on File
Deed Sale	Jan 3, 2020 · Amount on File
Prior Sale	Mar 11, 2016 · Amount on File
Deed Document Number	2020578
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	887 ELM ST, SAN CARLOS, CA 94070-3062
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	887 ELM ST, SAN CARLOS, CA 94070-3062

Mortgage

Document Number	0000050551
Date	Mar 30, 2021
Instrument	2021-050551

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 3, 2020
Property Address	887 ELM ST, SAN CARLOS, CA 94070-3062
Document Number	0000000578
Instrument Date	Dec 26, 2019
Instrument	578
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,981.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	887 ELM ST SAN CARLOS CA 940703062, SAN CARLOS, CA 94070-3062

Mortgage

Document Number	579
Date	Jan 3, 2020
Instrument	579

Lender

Name	SYNERGY ONE LNDG
Address	3131 CAMINO DEL RIO N # 190, SAN DIEGO, CA 92108-5702

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 887 Elm St was $34,877 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		$3,023,052 (+2%) Land $1,584,035 Building $1,439,017
2025	$34,877.00 Homeowner's exemption	$2,963,777 Land $1,552,976 Building $1,410,801
2023	$31,850.00 (+2.61%) Homeowner's exemption	$2,848,692 Land $1,492,673 Building $1,356,019	$3,183,930
2022	$31,039.00

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

Flood

FEMA maps place 887 Elm St in Zone X, an area of minimal flood risk, within 100 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 100 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 887 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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