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69 Hilltop Dr, San Carlos, CA, 94070

4beds
4baths
3,046sqft
$4,750,000
$1,559price/sqft
$29,986/moest. monthly cost
$1,199,440/yrincome needed

About This Home

An inspiring, contemporary masterpiece. This custom built home showcases modern influences and exquisite craftsmanship. Built new in 2021, and impeccably maintained since its debut, this home was constructed for the most discerning buyer. High ceilings, oversized floor to ceiling windows, bright skylights, integrated living spaces, beautiful built-ins, and fine, modern touches throughout make this home a very unique offering. Just a few of the many highlights to this home include a Tesla roof, Tesla charging stations, an array of Smart Home features, European White Oak floors and an area that can be seamlessly converted to an ADU. Additionally, this home provides some of the only bay views available from the White Oaks neighborhood. The main floor of the home contains a formal entry, open chef's kitchen, a full bath, primary suite, spacious living room, dining area, artist studio and large outdoor balcony. Downstairs features a second ensuite, a spacious third bedroom and a large ADU, containing a fourth bedroom, kitchen, full bathroom and large family room. This property must be seen in person to be truly appreciated. Enjoy all that White Oaks and San Carlos have to offer.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

10/10
10/10
Central Middle SchoolGrades 6-80.9 mi
7/10
Sequoia High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Other

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Modern/HighTech
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Laundry features: Inside

Bedroom

  • Features: PrimarySuiteRetreat2plus, WalkinCloset, PrimaryBedroomonGroundFloor

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,One Or More Skylights,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Hardwood
  • Fireplace features: Gas

Heating & Cooling

  • Heating features: 2 plus Zones,Radiant Floor
  • Cooling features: Zoned

Interior Area

  • Total structure area: 3,046
  • Total interior livable area: 3,046 sqft

Property

Details

  • Parcel number: 051228420
  • Zoning: R10006
  • Special condition: Standard

Features

  • Patio & porch: Balcony/Patio
  • Exterior features: Back Yard,Barbecue,Fenced
  • Has view: Yes
  • View description: Bay,Garden/Greenbelt,Mountain(s)
  • Has water view: Yes
  • Water view: Bay

Lot

  • Lot size: 6,248 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeRelatively High

How This Home’s Risks Compare

Earthquake

FEMA Declared Disasters in San Mateo County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $24,018$288,216
Home Insurance *$364$4,368
Property Taxes $4,951$59,412
Electricity $653$7,838
Total$29,986$359,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,028,091/yr
40% on housing$899,580/yr
45% on housing$799,626/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,559This listing

vs Other Active Listings

Avg $/sqft

ZIP 94070$894
San Mateo County$914

vs Homes Sold Last Month

Median $/sqft

ZIP 94070$1,319
San Mateo County$1,106

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-07Listed for sale$4,750,000
2001-08-10Sold$765,000
1999-07-13Sold$565,000

For Sale by Agent

AgentRobert R. Bredel
BrokerageChristie's International Real Estate Sereno

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