San Mateo County property record for 986 Cedar St, Montara, CA 94037
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 3,730 sqft · built 1984 |
| Lot Size | 0.186 acres (8,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $910,000 (Apr 2004) |
| Tax Bill | $21,983 (2025) |
| Deeds & Mortgages | Feb 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-129-220 |
| Primary APN | 036-129-220 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,730 sqft Living Area |
| Gross Area | 4,170 sqft |
| 1st Floor Area | 850 sqft |
| 2nd Floor Area | 780 sqft |
| Basement Area | 440 sqft |
| Family Room | Family Room |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 8,100 sqft (0.186 acres) |
| Lot Dimensions | 90 ft deep x 90 ft wide |
| View / Lot | Corner |
| Garage Type | Basement |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 986 CEDAR ST |
|---|---|
| City | MONTARA |
| State | CA |
| Zip | 94037-9904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10000 |
| Legal Description | LOTS 3 4 5 BLK 1 MONTARA AMEND & SUPP RSM 5/35 |
| Legal Subdivision | MONTARA AMEND & SUPP |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 613600 |
986 Cedar St is owned and occupied by an individual who acquired it in October 2005.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 986 CEDAR ST, MONTARA, CA 94037-9904 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2004 · Amount on File |
| Deed Sale | Apr 13, 2004 · Amount on File |
| Deed Document Number | 200468836 |
| Last Transfer Date | Oct 24, 2005 |
| Transfer Doc | 0000189461 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Feb 26, 2020 |
| Property Address | 986 CEDAR ST, MONTARA, CA 94037 |
| Document Number | 0000017382 |
| Instrument Date | Jan 8, 2020 |
| Instrument | 17382 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | PO BOX 370480 MONTARA CA 940370480, MONTARA, CA 94037-0480 |
The 2025 property tax bill for 986 Cedar St was $21,983.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,319,688 (+2%) Land $659,844 Building $659,844 | ||
| 2025 | $21,983.00 | $1,293,812 Land $646,906 Building $646,906 | |
| 2023 | $19,126.00 (-3.88%) | $1,243,574 Land $621,787 Building $621,787 | $1,513,980 |
| 2022 | $19,898.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 986 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 risk around 986 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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