145 N Eldorado St, San Mateo, CA 94401 Property Records

San Mateo County property record for 145 N Eldorado St, San Mateo, CA 94401

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,260 sqft · built 1965
Lot Size	0.138 acres (6,025 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,310,000 (Feb 2022)
Tax Bill	$18,660 (2025)
Deeds & Mortgages	Feb 2022 Transfer Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`032-305-030`

Property Details

APN / Parcel Number

Primary APN	`032-305-030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,260 sqft Living Area
1st Floor Area	2,260 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Duplex Single
Lot Area	6,025 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	145 N ELDORADO ST
City	SAN MATEO
State	CA
Zip	94401-1906
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R20000
Legal Description	LOT 15 BLOCK 33 WESTERN ADDITION TO TOWN OF SAN MATEO RSM 1/52 53
Legal Subdivision	WESTERN ADDITION TO TOWN OF SAN MATEO
Legal Block	33
Legal Lot Number	15
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2013
Census Tract	606201

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	145 N ELDORADO ST, SAN MATEO, CA 94401-1906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2022	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY
Feb 17, 2022	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA
Feb 17, 2022	Affidavit of Death of Joint Tenant, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2022 · Amount on Record
Deed Sale	Feb 17, 2022 · Amount on Record
Deed Document Number	202214678
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 17, 2022
Property Address	145 N ELDORADO ST, SAN MATEO, CA 94401-1906
Document Number	0000014677
Map Reference	MB D PG 48
Instrument Date	Feb 16, 2022
Instrument	2022-014677
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	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	Revocable Living Trust
Address	145 AND 147 N EL DORADO ST, SAN MATEO, CA 94401-1906

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 17, 2022
Property Address	145 N ELDORADO ST, SAN MATEO, CA 94401-1906
Document Number	0000014678
Map Reference	MB D PG 48
Instrument Date	Feb 16, 2022
Instrument	2022-014678
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,991.00
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	145 N ELDORADO ST, SAN MATEO, CA 94401-1906

Mortgage

Document Number	0000014679
Date	Feb 17, 2022
Instrument	2022-014679

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	5.12%
Index	Other
Max Rate	9.12%

Mortgage

Document Number	0000014680
Date	Feb 17, 2022
Instrument	2022-014680

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN MATEO CA
Recording Date	Feb 17, 2022
Property Address	145 N ELDORADO ST, SAN MATEO, CA 94401-1906
Document Number	0000014676
Map Reference	MB 1 PG 52
Instrument Date	Feb 16, 2022
Instrument	2022-014676
Transaction Type	Transfer
Record Updated	Mar 15, 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

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 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
2026		$1,417,985 (+2%) Land $1,082,432 Building $335,553
2025	$18,660.00 (+4.22%)	$1,390,182 (+4.04%) Land $1,061,208 Building $328,974
2023	$17,905.00 (+460.93%)	$1,336,200 Land $1,020,000 Building $316,200
2022	$3,192.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 694 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
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile, Unwired.

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