120 State St, San Mateo, CA 94401 Property Records

San Mateo County property record for 120 State St, San Mateo, CA 94401

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,252 sqft · built 1982
Lot Size	0.292 acres (12,730 sqft)
Owner	2 Individual Names on File
Last Sale	$2,197,090 (Dec 2024)
Tax Bill	$16,181 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`108-020-050`

Property Details

APN / Parcel Number

Primary APN	`108-020-050`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	8 Units
Stories	2 Stories
Building Area	1,252 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Lot Area	12,730 sqft (0.292 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	120 STATE ST
City	SAN MATEO
State	CA
Zip	94401-2270
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R30000
Legal Description	UNIT 5 MILFORD PLACE RSM 106/16-21
Legal Subdivision	MILFORD PLACE
Legal Lot Number	5
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1003
Census Tract	605901

Owner

120 State St, a condominium, is owned and occupied by two individuals who bought it in December 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	120 STATE ST, SAN MATEO, CA 94401-2270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 18, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2024 · Amount on File
Deed Sale	Dec 19, 2024 · Amount on File
Prior Sale	Jun 18, 2021 · Amount on File
Deed Document Number	202468222
Prior Transfer Date	Mar 20, 2015
Prior Transfer Doc	0000029211
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	120 STATE ST, SAN MATEO, CA 94401-2270
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077540
Date	Aug 6, 2020
Instrument	2020-077540

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 18, 2021
Property Address	120 STATE ST, SAN MATEO, CA 94401-2270
Document Number	0000093397
Map Reference	MB A PG 54
Instrument Date	Jun 7, 2021
Instrument	2021-093397
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	120 STATE ST # 5, 5, SAN MATEO, CA 94401-2270

Mortgage

Document Number	0000093398
Date	Jun 18, 2021
Instrument	2021-093398

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	120 STATE ST, SAN MATEO, CA 94401-2270
Document Number	0000002548
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	120 STATE ST SAN MATEO CA 944012270, SAN MATEO, CA 94401-2270

Mortgage

Document Number	0000002548
Date	Jan 10, 2020
Instrument	2548

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 120 State St was $16,181 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 Mateo City
Elementary School District	San Mateo-Foster City Elementary School District (KG - 08)
Secondary School District	San Mateo Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,313,760 (+2%) Land $656,880 Building $656,880
2025	$16,181.00	$1,288,000 Land $644,000 Building $644,000
2023	$15,216.00 (-13.85%)	$1,200,000 Land $600,000 Building $600,000	$1,028,250
2022	$17,662.00

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

Flood

FEMA maps place 120 State St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 120 State 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 MATEO private · serves 103,536 people · EPA ID CA4110008
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Mar 2025
Lead	4 ppb (2023–2025) 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 713 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	2,000 / 250
Astound Broadband Cable	1,500 / 50
Sonic Telecom Fiber	1,000 / 1,000
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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