946 Cedar St, Montara, CA 94037 Property Records

San Mateo County property record for 946 Cedar St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,360 sqft · built 1976
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Trust Names on File
Last Sale	$345,000 (Jun 1995)
Tax Bill	$9,141 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-129-160`

Property Details

APN / Parcel Number

Primary APN	`036-129-160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	1,550 sqft
2nd Floor Area	810 sqft
Basement Area	520 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,250 sqft (0.121 acres)
Lot Dimensions	75 ft deep x 70 ft wide
Garage Type	Basement
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	946 CEDAR ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 8 & 9 BLOCK 1 MONTARA AMEND & SUPP
Legal Subdivision	MONTARA AMEND & SUPP
Legal Block	1
Legal Lot Number	8,9
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	4
Census Block	4004
Census Tract	613600

Owner

946 Cedar St is owner-occupied and held in a trust since June 1995.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 370021, MONTARA, CA 94037-0021
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
Dec 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Oct 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 1995 · Amount on File
Deed Sale	Jun 6, 1995 · Amount on File
Deed Document Number	199557771
Prior Transfer Date	Sep 29, 1993
Prior Transfer Doc	0000170424
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	946 CEDAR ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Jan 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 CEDAR STREET, MONTARA, CA 94037

Mortgage

Document Number	0000085102
Date	Dec 12, 2022
Instrument	2022-085102

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 25, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	946 CEDAR ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Apr 9, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 370021, MONTARA, CA 94037-0021

Mortgage

Document Number	0000039108
Date	Mar 10, 2021
Instrument	2021-039108

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

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

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 19, 2020
Property Address	946 CEDAR ST, MONTARA, CA 94037
Document Number	0000113351
Instrument Date	Sep 29, 2020
Instrument	113351
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

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	PO BOX 370021 MONTARA CA 940370021, MONTARA, CA 94037-0021

Tax Assessment & Valuation

The 2025 property tax bill for 946 Cedar St was $9,141 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
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$591,062 (+2%) Land $295,531 Building $295,531
2025	$9,141.00 Homeowner's exemption	$579,474 Land $289,737 Building $289,737
2023	$8,272.00 (+1.95%) Homeowner's exemption	$556,974 Land $278,487 Building $278,487	$1,334,340
2022	$8,114.00

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

Flood

FEMA maps place 946 Cedar 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 946 Cedar St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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