San Mateo County HOA Guide

San Carlos HOA Guide: Local Rules for Boards and Owners

San Carlos has about 29,000 residents, and about two in three homes are owner-occupied. RVs, boats and trailers may not stay on its streets overnight, and rental buildings with three or more units are in a city inspection program that includes balconies and decks.

This guide collects the city rules a San Carlos board runs into most often, and points you to the How2HOA guide that explains what to do about each one.

Local rules on this page were checked against the City of San Carlos’s website and the San Carlos Municipal Code on October 27, 2026. Online codes can lag behind the most recent ordinances, and some city documents would not open for us, so confirm the current rule with the office listed before you act on it. Sources are listed at the bottom of the page.

At a glance

HOAs in San Carlos at a glance

We did not find an official count of San Carlos’s HOAs or a typical dues figure, so we do not quote one. The public record does show how the city is set up:

Two water providersCal Water’s Mid-Peninsula District serves most of the city, and the Mid-Peninsula Water District serves parts of it. Check your bill.
Contract servicespolice service comes from the San Mateo County Sheriff, and fire service is shared with Redwood City.
Belmont Creek floodingthe county, Belmont and San Carlos are preparing a Belmont Creek watershed plan for flooding between Old County Road and Industrial Road.
Shoreline planningSan Carlos is one of five bayside cities in a shoreline resilience plan led by the county’s flood and sea level rise district.

Local rules

Rules that apply in San Carlos

Three layers of rules apply to a San Carlos association. State law comes first, mainly the Davis-Stirling Act. City ordinances apply to every property, whether or not it is in an HOA. Your governing documents can then be stricter than the city in most areas, and state law limits them in a few. The city does not enforce your CC&Rs, and your CC&Rs do not excuse anyone from a city rule.

RVs, boats and trailersOff the street from 10 p.m. to 6 a.m.

No RV may park on a public street between 10 p.m. and 6 a.m. (chapter 8.40), and no boat, camper, trailer or boat trailer may park on public streets or property during those hours (chapter 8.41). A resident may park one in front of their own lot before or after a trip, twice in seven days for an RV or twice in 30 days for a boat or trailer. The Chief of Police can issue a temporary permit for up to 14 days. Violations carry a $50 fine and possible impound.

72-hour rule (section 10.32.400)a vehicle must move at least 1,000 feet every 72 hours.
Commercial vehicles (section 10.32.290)8,000 pounds or more unladen, and any truck-tractor or trailer: five hours at most in a residential district.
Front yards (section 15.24.050)parking between the front wall of a home and the front property line is a nuisance unless the vehicle is on the driveway.
Private streets and city enforcementWe found no private roads designated for Vehicle Code enforcement.

We did not find a designation of private roads for Vehicle Code enforcement in the parts of San Carlos’s code we could read. Where no designation exists, enforcing parking and speed rules on association-owned streets usually falls to the association, so ask the Sheriff’s office whether any roads in your community are designated.

Protected treesNative oaks 9 inches across and other trees 11 inches across.

Heritage trees include coast live, valley, blue and interior live oaks, buckeye and madrone 9 inches or more in diameter, California bay laurel 11 inches or more and redwood 15 inches or more, measured 54 inches above grade. Any other tree 11 inches or more is a significant tree, apart from excluded species such as eucalyptus, palms, fruit trees and Monterey pine (section 18.18.070). Removing, pruning or materially altering a protected tree takes a permit, though pruning up to 25% of the canopy or roots does not. Notice is posted for 14 days after a permit is issued, and each removed tree must be replaced within four months. Planning: (650) 802-4263.

What to do about it: How to Hire a Contractor for Your Homeowners Association covers what to require of a tree service before work starts.

Rental building inspectionsBuildings with three or more rental units, including balconies.

The Residential Inspection Program covers owners of residential rental buildings with three or more leased units (chapter 15.34). Common areas are inspected at least every two years, and exterior elevated decks and balconies in multifamily buildings need a licensed professional’s inspection affidavit every three years. The code does not say how condos rented out by individual owners are treated, so ask the Building Official at (650) 802-4261 whether your building is covered.

Balcony and deck inspections are worth planning for either way. They belong in your reserve study and maintenance calendar.

What to do about it: Understanding HOA Reserve Studies.

Two water providersDifferent rebates depending on your provider.

Customers of the Mid-Peninsula Water District can get $4 per square foot through BAWSCA’s Lawn Be Gone program, after a notice to proceed. In the Cal Water area: Cal Water’s lawn-to-garden rebate needs pre-approval before work starts, requires at least three approved low-water plants per 100 square feet converted and does not cover artificial turf. Cal Water does not publish the current amount outside its conservation portal, so ask whether an association account qualifies before you plan around it.

A state law passed in 2023 (AB 1572) bars the use of drinking water on nonfunctional turf in HOA common areas starting January 1, 2029. The law stops the watering; it does not require removing the lawn. A board that decides to replace decorative lawn can use a rebate, where one is offered, to pay for part of the conversion.

On owners’ lots, Civil Code section 4735 prevents an association from banning low-water plants or artificial turf as a replacement for lawn.

What to do about it: put the turf conversion in your numbers with Planning Your HOA Budget and Understanding HOA Reserve Studies, then compare landscape bids with the Vendor Comparison Worksheet. For the California rules behind these projects, see California HOA maintenance and repair responsibilities and California HOA reserves.

Sidewalks and upkeepOwners repair sidewalks and can be liable for injuries.

The owner of property next to a sidewalk must keep it safe and pay for repairs, and is liable to people injured by its condition (chapter 12.04). Owners must also keep trees and landscaping, including park strips, clear of 8 feet over walkways and 13 feet over streets. Weeds that are a fire hazard, overgrown vegetation, dead trees and overflowing trash cans are nuisances, and a notice and order gives 10 days to start and 30 days to finish the work.

For an association that owns frontage, put sidewalk inspection on the maintenance calendar and check your liability coverage.

Work hoursNo construction noise on Sundays.

Construction noise is allowed from 8 a.m. to 5 p.m. on weekdays and 9 a.m. to 5 p.m. on Saturdays, and not on Sundays or listed holidays (section 9.30.070). Gas-powered gardening equipment may run from 8 a.m. to sunset on weekdays and 10 a.m. to sunset on weekends and holidays. Put these hours in your contracts.

RentalsADUs may not be rented for less than 30 days.

San Carlos’s occupancy tax applies to stays of 30 days or less, including short-term rentals booked online (chapter 3.24). ADUs and junior ADUs may not be rented for fewer than 30 consecutive days. We found no short-term rental permit chapter, so ask Planning before relying on a city rule. California Civil Code section 4741 limits how far an association can restrict rentals generally, but it does not stop an association from prohibiting rentals of 30 days or less.

Is this a lot for a volunteer board to track?

City rules, district assessments, state law and your own documents all change, and someone has to keep up. If your San Carlos board is deciding between managing itself and hiring help, start with Self-Managed vs. Professional HOA Management, or tell us about your community and we will send you options from affiliated management companies.

Compare HOA management options

Quick answers

Questions San Carlos board members ask

Can an owner keep a boat trailer on the street overnight?

No. Boats and trailers may not park on public streets from 10 p.m. to 6 a.m., except briefly in front of the owner’s lot before or after a trip.

Do we need a permit to remove a common-area oak?

Yes, if it is a coast live, valley, blue or interior live oak 9 inches or more in diameter at 54 inches above grade. Other oaks need a permit at 11 inches.

Are our balconies subject to city inspection?

Rental buildings with three or more units need balcony and deck inspection affidavits every three years. Ask the Building Official how the program applies to your condos.

Who pays to fix the sidewalk in front of our property?

The adjacent property owner, who can also be liable for injuries.

Can our HOA ban short-term rentals?

Yes, if your governing documents say so. Civil Code section 4741 does not stop an association from prohibiting rentals of 30 days or less, though under Civil Code section 4740 an owner who bought before a rental ban took effect is generally not bound by it. Ask your attorney. More in How to Handle Short-Term Rentals in Your Community.

Calendar

A San Carlos board’s year

The dates below follow the agencies’ own programs. The maintenance items are general good practice, not legal requirements.

WinterClear drains and gutters before storms, especially near Belmont Creek.
SpringWalk the sidewalks and trim trees and landscaping to the required clearances.
Every three yearsBalcony and deck inspection affidavits for buildings in the rental inspection program.
November and FebruaryProperty tax installments, which carry any landscape district, Mello-Roos and other special charges, are due November 1 and February 1 and become delinquent after 5 p.m. on December 10 and April 10, or the next business day when that date falls on a weekend or holiday. San Mateo County counts only a U.S. Postal Service postmark, not a private meter date, so pay online or mail early.
FallBudget season. Price the 2029 turf deadline, sidewalk repairs and balcony inspections into next year’s budget and reserve plan.

Keep the year on track: use the Board Meeting Checklist and the Annual HOA Budget Checklist.

Who to call

San Carlos contacts for HOA boards

City Hall is at 600 Elm Street.

OfficePhoneUse it for
City Hall(650) 802-4100Main line
Planning(650) 802-4263Zoning, tree permits
Building(650) 802-4261Permits, rental inspections
Public Works Engineering(650) 802-4200Streets, sidewalks
Public Works Maintenance(650) 802-4140Street trees, maintenance
Sheriff’s Office, San Carlos(650) 802-4277Parking, police matters
Mid-Peninsula Water District(650) 591-8941Water service, rebates

The City Council meets at 7 p.m. on the second and fourth Mondays of each month.

Keep going

Where to go next on How2HOA

Professional management

Thinking about management help?

Tell us about your community and we will send you options from affiliated management companies.

Compare HOA management optionsBrowse all HOA topics

This page is general educational information, not legal, financial or insurance advice. City ordinances and state law change, and your association’s governing documents control many of these questions, so check the current code and talk with your association’s attorney or another qualified professional about your situation.