190 Encinal Ave, Atherton, CA 94027 Property Records

San Mateo County property record for 190 Encinal Ave, Atherton, CA 94027

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,845 sqft · built 1952
Lot Size	0.927 acres (40,367 sqft)
Last Sale	$6,800,000 (Oct 2017)
Tax Bill	$89,589 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`061-340-160`

Property Details

APN / Parcel Number

Primary APN	`061-340-160`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,845 sqft Living Area
1st Floor Area	2,160 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	40,367 sqft (0.927 acres)
Lot Dimensions	186 ft deep x 219 ft wide
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	190 ENCINAL AVE
City	ATHERTON
State	CA
Zip	94027-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1001A
Legal Description	219.10 FT X 185 FT ON ENCINAL AVE COM 219.10 FT SWLY FRM MIDDLEFIELD RD BEING PTN OF BLOCKS 1 & 2 & PTN OF BERSON AVEABND BERSON TRACT RSM E/44 TOWN OF ATHERTON
Legal Subdivision	BERSON TRACT
Legal Lot Number	22-24
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1006
Census Tract	611500

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.

Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2017	Deed of Trust, Mortgage · ARM SILICON VALLEY BANK
Feb 21, 2018	Deed of Trust, Mortgage · ARM SILICON VALLEY BANK
Aug 6, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SILICON VALLEY BANK
Oct 24, 2017	Grant Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Last Sale	Oct 24, 2017 · Amount on Record
Deed Sale	Oct 24, 2017 · Amount on Record
Prior Sale	Apr 5, 2006 · Amount on Record
Deed Document Number	201794281
Prior Transfer Date	Jul 16, 1997
Prior Transfer Doc	0000087817
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	190 ENCINAL AVE, ATHERTON, CA 94027-3103
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	LAWYERS TITLE OF NORTHERN CA

Mortgage

Document Number	0000116396
Date	Dec 27, 2017
Instrument	2017-116396

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	9.5%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	190 ENCINAL AVE, ATHERTON, CA 94027-3103
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Mortgage

Document Number	0000011825
Date	Feb 21, 2018
Instrument	2018-011825

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Aug 6, 2020
Property Address	190 ENCINAL AVE, ATHERTON, CA 94027-3103
Document Number	0000077193
Map Reference	MB E PG 44
Instrument Date	Jul 29, 2020
Instrument	2020-077193
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Mortgage

Document Number	0000077194
Date	Aug 6, 2020
Instrument	2020-077194

Lender

Name	SILICON VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Aug 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.5%
Index	1-Year LIBOR
Max Rate	8.5%

Mortgage

Document Number	0000077195
Date	Aug 6, 2020
Instrument	2020-077195

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	116 Months
Due	Apr 28, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 24, 2017
Property Address	190 ENCINAL AVE, ATHERTON, CA 94027-3103
Document Number	0000094281
Instrument Date	Oct 23, 2017
Instrument	94281
Transaction Type	Transfer
Record Updated	Nov 22, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Tax	$7,480.00
Amount Accuracy	Full Value
Additional	Arm's Length

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
Municipality	Atherton Town
County	San Mateo County
Elementary School District	Menlo Park City 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		$8,097,640 (+2%) Land $4,108,472 Building $3,989,168
2025	$89,589.00 (+4.82%) Homeowner's exemption	$7,938,864 (+4.04%) Land $4,027,914 Building $3,910,950
2023	$85,473.00 (+2.42%) Homeowner's exemption	$7,630,591 Land $3,871,506 Building $3,759,085	$6,441,480
2022	$83,451.00

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	4 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 - BEAR GULCH private · serves 60,382 people · EPA ID CA4110006
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) 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 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Race Communications Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

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

Cell Coverage

5G (outdoors only) and 4G LTE

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