1654 Sugarloaf Dr, San Mateo, CA 94403 Property Records

San Mateo County property record for 1654 Sugarloaf Dr, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,710 sqft · built 1983
Lot Size	0.107 acres (4,671 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,310,000 (Jan 2019)
Tax Bill	$18,865 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-581-340`

Property Details

APN / Parcel Number

Primary APN	`041-581-340`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
1st Floor Area	1,710 sqft
Family Room	Family Room
Game Room	Game Room
Study	Study

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	4,671 sqft (0.107 acres)
Lot Dimensions	97 ft deep x 48 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1654 SUGARLOAF DR
City	SAN MATEO
State	CA
Zip	94403-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1000C
Legal Description	LOT 70 SUGARLOAF UNIT NO 2 RSM 100/15-18
Legal Subdivision	SUGARLOAF UNIT NO 2
Legal Tract	15
Legal Lot Number	70
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2006
Census Tract	607000

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	1654 SUGARLOAF DR, SAN MATEO, CA 94403-3946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 24, 2019	Deed of Trust, Mortgage · ARM FIRST REPUBLIC BANK
Jan 10, 2019	Grant Deed, Transfer BANK OF AMERICA
May 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2019 · Amount on Record
Deed Sale	Jan 10, 2019 · Amount on Record
Deed Document Number	20191936
Prior Transfer Date	Mar 23, 2018
Prior Transfer Doc	0000037119
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1654 SUGARLOAF DR, SAN MATEO, CA 94403-3946
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1654 SUGARLOAF DR, SAN MATEO, CA 94403-3946

Mortgage

Document Number	0000138846
Date	Sep 29, 2021
Instrument	2021-138846

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1654 SUGARLOAF DR, SAN MATEO, CA 94403-3946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048655
Date	Jun 24, 2019
Instrument	2019-048655

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.45%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Monthly
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 10, 2019
Property Address	1654 SUGARLOAF DR, SAN MATEO, CA 94403-3946
Document Number	0000001936
Instrument Date	Dec 27, 2018
Instrument	1936
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,441.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1654 SUGARLOAF DR SAN MATEO CA 944033946, SAN MATEO, CA 94403-3946

Mortgage

Document Number	1937
Date	Jan 10, 2019
Instrument	1937

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 11, 2018
Property Address	1654 SUGARLOAF DR, SAN MATEO, CA 94403-3946
Document Number	0000037119
Instrument Date	Mar 23, 2018
Instrument	37119
Transaction Type	Transfer
Record Updated	May 29, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1654 SUGARLOAF DR SAN MATEO CA 944033946, SAN MATEO, CA 94403-3946

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	Belmont-Redwood Shores Elementary School District (KG - 08)
Secondary School District	Sequoia Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,490,551 (+2%) Land $447,164 Building $1,043,387
2025	$18,865.00 (+7.78%) Homeowner's exemption	$1,461,326 (+4.04%) Land $438,397 Building $1,022,929
2023	$17,504.00 (-1.99%) Homeowner's exemption	$1,404,582 Land $421,374 Building $983,208	$1,455,750
2022	$17,859.00

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

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jan 1982 · Severe Storms, Flood, Mudslides & High Tide

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 98% of the US · lower than 98.4% 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 558 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: Etheric Networks, T-Mobile.

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