San Mateo County property record for 225 Ryder St, San Mateo, CA 94401
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,390 sqft · built 1948 |
| Lot Size | 0.182 acres (7,936 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Sep 2020) |
| Tax Bill | $16,154 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jan 2019 Mortgage + 4 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 033-241-480 |
| Primary APN | 033-241-480 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,390 sqft Living Area |
| 1st Floor Area | 1,150 sqft |
| Family Room | Family Room |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 7,936 sqft (0.182 acres) |
| Lot Dimensions | 140 ft deep x 58 ft wide |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 225 RYDER ST |
|---|---|
| City | SAN MATEO |
| State | CA |
| Zip | 94401-2132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R106 |
| Legal Description | LOT 21 BLOCK 4 SHORE VIEW TRACT NO 7 RSM 28/24 CITY OF SAN MATEO |
| Legal Subdivision | SHORE VIEW TRACT NO 7 |
| Legal Tract | 7 |
| Legal Block | 4 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 606100 |
225 Ryder St is owned and occupied by two individuals who bought it in September 2020.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 SEA SPRAY LN, 113, FOSTER CITY, CA 94404-2436 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Sep 1, 2020 | Grant Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK |
| Nov 14, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2020 · Amount on File |
| Deed Sale | Sep 1, 2020 · Amount on File |
| Deed Document Number | 202088884 |
| Prior Transfer Date | Oct 3, 2018 |
| Prior Transfer Doc | 0000088609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2023 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Document Number | 0000001710 |
|---|---|
| Date | Jan 13, 2023 |
| Instrument | 2023-001710 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 21, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | FIDELITY NATL TITLE ORANGE C |
| Name | Verified Name |
|---|
| Document Number | 0000006169 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 2019-006169 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Document Number | 0000093650 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 2021-093650 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Document Number | 0000135076 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021-135076 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Sep 1, 2020 |
| Property Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Document Number | 0000088884 |
| Map Reference | MB 28 PG 24 |
| Instrument Date | Aug 21, 2020 |
| Instrument | 2020-088884 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,710.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Document Number | 0000088885 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 2020-088885 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Number | 0000088886 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 2020-088886 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | ALPHARETTA, GA 30022 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Nov 14, 2018 |
| Property Address | 225 RYDER ST, SAN MATEO, CA 94401-2132 |
| Document Number | 0000088609 |
| Instrument Date | Oct 3, 2018 |
| Instrument | 88609 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 225 RYDER ST SAN MATEO CA 944012132, SAN MATEO, CA 94401-2132 |
The 2025 property tax bill for 225 Ryder St was $16,154 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,214,486 (+2%) Land $883,263 Building $331,223 | ||
| 2025 | $16,154.00 Homeowner's exemption | $1,190,674 Land $865,945 Building $324,729 | |
| 2023 | $15,500.00 (+2.16%) Homeowner's exemption | $1,144,440 Land $832,320 Building $312,120 | $1,343,070 |
| 2022 | $15,172.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 Ryder St in Zone X, where a levee reduces flood risk, within 100 ft of a high-risk flood zone.
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 reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 7 (1982–2015) |
| Most Recent Claim | Feb 2015 · other causes |
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 risk around 225 Ryder St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Unwired Fixed Wireless | 300 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
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