984 Cherry St, San Carlos, CA 94070 Property Records

San Mateo County property record for 984 Cherry St, San Carlos, CA 94070

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,010 sqft · built 1962
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,750,000 (Oct 2024)
Tax Bill	$21,408 (2025)
Deeds & Mortgages	Oct 2023 Transfer Mar 2022 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`046-123-150`

Property Details

APN / Parcel Number

Primary APN	`046-123-150`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
Gross Area	1,500 sqft
1st Floor Area	1,010 sqft
Basement Area	490 sqft
Family Room	Family Room

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	984 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 30 BLOCK 3 HARBOR ADDITION 3
Legal Subdivision	HARBOR ADDITION 3
Legal Block	3
Legal Lot Number	30
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2010
Census Tract	609100

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	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Mar 1, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Feb 17, 2022	Intrafamily Transfer, Transfer
Nov 30, 2021	Grant Deed, Transfer · Commercial Mortgage PACIFIC FREEDOM FUND LLC
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Mar 8, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Mar 11, 2021	Quit Claim Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 12, 2021	Correction Deed CONSUMERS TITLE COMPANY
Dec 4, 2019	Deed of Trust, Mortgage GUARANTEED RATE
Dec 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage GREAT LAKES CU
Aug 16, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Prior Sale	Nov 30, 2021 · Amount on Record
Deed Document Number	202456986
Prior Transfer Date	Dec 15, 2022
Prior Transfer Doc	0000050629
Record Updated	Sep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Oct 11, 2023
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000050629
Map Reference	MB 14 PG 17
Instrument Date	Dec 15, 2022
Instrument	2023-050629
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Relationship	Family Revocable Trust
Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Mar 1, 2022
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000017928
Map Reference	MB 14 PG 17
Instrument Date	Feb 18, 2022
Instrument	2022-017928
Transaction Type	Transfer
Record Updated	Mar 24, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000017929
Date	Mar 1, 2022
Instrument	2022-017929

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 17, 2022
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000014741
Map Reference	MB 14 PG 17
Instrument Date	Jan 20, 2022
Instrument	2022-014741
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Revocable Trust
Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 30, 2021
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000164122
Map Reference	MB 14 PG 17
Instrument Date	Nov 19, 2021
Instrument	2021-164122
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,842.50
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	3654 FARM HILL BLVD, REDWOOD CITY, CA 94061-1231

Mortgage

Document Number	0000164123
Date	Nov 30, 2021
Instrument	2021-164123

Lender

Name	PACIFIC FREEDOM FUND LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000037573
Date	Mar 8, 2021
Instrument	2021-037573

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037574
Date	Mar 8, 2021
Instrument	2021-037574

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Dec 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 11, 2021
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000039885
Map Reference	MB 14 PG 17
Instrument Date	Mar 4, 2021
Instrument	2021-039885
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONSUMERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000039886
Date	Mar 11, 2021
Instrument	2021-039886

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

March 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 12, 2021
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000040809
Map Reference	MB 14 PG 17
Instrument Date	Mar 4, 2021
Instrument	2021-040809
Record Updated	Aug 9, 2021
Title Company	CONSUMERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000104625
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	984 CHERRY ST SAN CARLOS CA 940703205, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000104625
Date	Dec 10, 2019
Instrument	104625

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000104626
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	984 CHERRY ST SAN CARLOS CA 940703205, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000104626
Date	Dec 10, 2019
Instrument	104626

Lender

Name	GREAT LAKES CU
Type	Credit Union
Address	NORTH CHICAGO, IL 60064

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 9, 2039

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 16, 2019
Property Address	984 CHERRY ST, SAN CARLOS, CA 94070-3205
Document Number	0000065289
Map Reference	MB 14
Instrument Date	Aug 1, 2019
Instrument	2019-065289
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	984 CHERRY ST, SAN CARLOS, CA 94070-3205

Mortgage

Document Number	0000065290
Date	Aug 16, 2019
Instrument	2019-065290

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Mortgage

Document Number	0000065291
Date	Aug 16, 2019
Instrument	2019-065291

Lender

Name	SAN MATEO COUNTY COMMUNITY COLLEGE DISTR
Type	Government Agency
Address	SAN MATEO, CA 94402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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		$1,785,000 (+2%) Land $1,428,000 Building $357,000
2025	$21,408.00 (+18.07%)	$1,750,000 (+18.56%) Land $1,400,000 Building $350,000
2023	$18,131.00 (-10.33%)	$1,476,000 Land $1,234,000 Building $242,000	$1,496,520
2022	$20,219.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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