972 Cherry St, San Carlos, CA 94070 Property Records

San Mateo County property record for 972 Cherry St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 850 sqft · built 1940
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jul 2002)
Tax Bill	$10,688 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`046-123-130`

Property Details

APN / Parcel Number

Primary APN	`046-123-130`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	850 sqft Living Area
1st Floor Area	850 sqft
Family Room	Family Room

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	972 CHERRY ST
City	SAN CARLOS
State	CA
Zip	94070-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 28 BLOCK 3 NELY 1/2 OF LOT 29 BLOCK 3 HARBOR ADDITION 3
Legal Subdivision	HARBOR ADDITION 3
Legal Block	3
Legal Lot Number	28,29
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2010
Census Tract	609100

Owner

972 Cherry St is owned and occupied by an individual who bought it in July 2002.

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

Owner of Record	Individual Name on File
Mailing Address	972 CHERRY ST, SAN CARLOS, CA 94070-3205
Occupancy	Owner Occupied
Owner Type	Individual

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 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LEVEL ONE BANK
Nov 28, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2002 · Amount on File
Deed Sale	Jul 24, 2002 · Amount on File
Prior Sale	Oct 13, 1999 · Amount on File
Deed Document Number	2002143600
Prior Transfer Date	Apr 23, 1997
Prior Transfer Doc	0000050605
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 8, 2021
Property Address	972 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000167694
Map Reference	MB 14 PG 17
Instrument Date	Oct 22, 2021
Instrument	2021-167694
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	972 CHERRY ST, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000167695
Date	Dec 8, 2021
Instrument	2021-167695

Lender

Name	LEVEL ONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	160 Months
Due	Apr 1, 2035

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 28, 2017
Property Address	972 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000106000
Instrument Date	Aug 30, 2013
Instrument	106000
Transaction Type	Transfer
Record Updated	Jan 3, 2018

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	972 CHERRY ST SAN CARLOS CA 940703205, SAN CARLOS, CA 94070-3205

Tax Assessment & Valuation

The 2025 property tax bill for 972 Cherry St was $10,688 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		$812,490 (+2%) Land $406,245 Building $406,245
2025	$10,688.00 Homeowner's exemption	$796,560 Land $398,280 Building $398,280
2023	$10,189.00 (+2.18%) Homeowner's exemption	$765,630 Land $382,815 Building $382,815	$1,034,910
2022	$9,972.00

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

Flood

FEMA maps place 972 Cherry 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
Flood Insurance Cost	Premium on File median of 84 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	84 in force
Nearby Flood Claims	20 (1979–2022)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Dec 2022 · 6 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Apr 1995 · 3 claims Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 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 972 Cherry 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 659 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 · Fiber in parts of the area	2,000 / 250
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, Sonic Telecom, T-Mobile.

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