227 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 227 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,675 sqft · built 1941
Lot Size	0.142 acres (6,174 sqft)
Owner	2 Trust Names on File
Last Sale	$1,750,000 (Jul 2020)
Tax Bill	$24,605 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-323-080`

Property Details

APN / Parcel Number

Primary APN	`039-323-080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,675 sqft Living Area
1st Floor Area	1,250 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Ranch
Roof Material	Composition Shingle
Lot Area	6,174 sqft (0.142 acres)
Lot Dimensions	98 ft deep x 63 ft wide
View / Lot	Corner
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	227 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	SWLY 63 FT OF NWLY 98 FT OF LOT 3 SUB 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

227 28th Ave is owner-occupied and held in a trust since July 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	227 28TH AVE, SAN MATEO, CA 94403-2403
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Jul 14, 2020	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Prior Sale	Jan 10, 2007 · Amount on File
Deed Document Number	202067148
Prior Transfer Date	Oct 9, 1996
Prior Transfer Doc	0000139943
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	227 28TH AVE, SAN MATEO, CA 94403-2403
Transaction Type	Mortgage
Record Updated	Apr 29, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 28TH AVE, SAN MATEO, CA 94403-2403

Mortgage

Document Number	0000030781
Date	Apr 11, 2022
Instrument	2022-030781

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.45%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.95%
Index	1-Year CMT
Max Rate	10.9%

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 14, 2020
Property Address	227 28TH AVE, SAN MATEO, CA 94403-2403
Document Number	0000067148
Map Reference	MB 1 PG 68
Instrument Date	Jul 8, 2020
Instrument	2020-067148
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	227 28TH AVE, SAN MATEO, CA 94403-2403

Mortgage

Document Number	0000067149
Date	Jul 14, 2020
Instrument	2020-067149

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2030
Change Frequency	Monthly
Min Rate At Change	2.95%
Index	1-Year CMT
Max Rate	10.9%

Mortgage

Document Number	0000067150
Date	Jul 14, 2020
Instrument	2020-067150

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 26, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 227 28th Ave was $24,605 with a homeowner's exemption.

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	Assessed Market Value
2026		$2,056,578 (+2%) Land $1,352,497 Building $704,081
2025	$24,605.00 Homeowner's exemption	$2,016,254 Land $1,325,978 Building $690,276
2023	$22,757.00 (+1.05%)	$1,893,700 Land $1,274,490 Building $619,210	$1,726,380
2022	$22,521.00

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

Flood

FEMA maps place 227 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 227 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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