225 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 225 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,290 sqft · built 1940
Lot Size	0.135 acres (5,880 sqft)
Owner	2 Individual Names on File
Last Sale	$2,229,000 (Dec 2025)
Tax Bill	$29,401 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-323-090`

Property Details

APN / Parcel Number

Primary APN	`039-323-090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
1st Floor Area	1,110 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,880 sqft (0.135 acres)
Lot Dimensions	98 ft deep x 60 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	225 28TH AVE
City	SAN MATEO
State	CA
Zip	94403-2403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	CENTER 60 FT OF NLY 98 FT OF LOT 3 SUB OF LOTS 14 15 16 17 OF BERESFORD PARK RSM D/14 CITY OF SAN MATEO
Legal Subdivision	BERESFORD PARK
Legal Lot Number	3,14
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2002
Census Tract	607300

Owner

225 28th Ave is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	225 28TH AVE, SAN MATEO, CA 94403-2403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 20, 2021	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Dec 20, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2025 · Amount on File
Deed Sale	Dec 26, 2025 · Amount on File
Prior Sale	Dec 20, 2021 · Amount on File
Deed Document Number	202571220
Prior Transfer Date	Dec 16, 2021
Prior Transfer Doc	0000173677
Record Updated	Sep 20, 2026

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 26, 2025
Property Address	225 28TH AVE, SAN MATEO, CA 94403-2403
Document Number	0000071220
Map Reference	MB D PG 14
Instrument Date	Dec 22, 2025
Instrument	2025-071220
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,596.90
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	225 28TH AVE, SAN MATEO, CA 94403-2403

Mortgage

Document Number	0000071221
Date	Dec 26, 2025
Instrument	2025-071221

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Type Change Date	Jan 1, 2036
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.1%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 20, 2021
Property Address	225 28TH AVE, SAN MATEO, CA 94403-2403
Document Number	0000173677
Map Reference	MB D PG 14&A
Instrument Date	Dec 16, 2021
Instrument	2021-173677
Transaction Type	Transfer
Record Updated	Jan 6, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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
Address	25 ROLLING HILLS AVE, SAN MATEO, CA 94403-4318

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 20, 2021
Property Address	225 28TH AVE, SAN MATEO, CA 94403-2403
Document Number	0000173678
Map Reference	MB D PG 14
Instrument Date	Dec 15, 2021
Instrument	2021-173678
Transaction Type	Transfer
Record Updated	Jan 6, 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	$12,828.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 28TH AVE, SAN MATEO, CA 94403-2403

Mortgage

Document Number	0000173679
Date	Dec 20, 2021
Instrument	2021-173679

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 225 28th Ave was $29,401, up 13% from the year before.

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		$2,229,000 (-0.12%) Land $1,609,000 Building $620,000
2025	$29,401.00 (+13.04%)	$2,231,719 Land $1,660,790 Building $570,929
2024	$26,009.00 (-6.26%)
2023	$27,747.00 (+5.19%)	$2,145,060 Land $1,596,300 Building $548,760
2022	$26,377.00

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

Flood

FEMA maps place 225 28th Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.

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	2 in force
Nearby Flood Claims	4 (1998–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2022 · rainfall accumulation

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

The area around 225 28th Ave 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 799 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom 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
Astound Broadband Cable	1,500 / 50

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

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