San Mateo County property record for 231 Cuardo Ave, Millbrae, CA 94030
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,121 sqft · built 1945 |
| Lot Size | 0.122 acres (5,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (May 2005) |
| Tax Bill | $14,540 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage May 2021 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 024-177-030 |
| Primary APN | 024-177-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,121 sqft Living Area |
| 1st Floor Area | 980 sqft |
| Family Room | Family Room |
| Study | Study |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,300 sqft (0.122 acres) |
| Lot Dimensions | 100 ft deep x 53 ft wide |
| Garage Area | 435 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 231 CUARDO AVE |
|---|---|
| City | MILLBRAE |
| State | CA |
| Zip | 94030-2713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 3 BLOCK 5 BAYSIDE MANOR NO 1 |
| Legal Subdivision | BAYSIDE MANOR NO 1 |
| Legal Block | 5 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SOUTH SAN FRANCISCO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 604400 |
Source: San Mateo County records · APN 024-177-030
Assessment roll updated July 15, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| May 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL BUSINESS BANK |
| Oct 04, 2018 | Intrafamily Transfer, Transfer · ARM ROYAL BUSINESS BANK |
| Mar 21, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 02, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KGW ENT LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 24, 2005 · Amount on Record |
| Deed Sale | May 24, 2005 · Amount on Record |
| Prior Sale | Jul 28, 1994 · Amount on Record |
| Deed Document Number | 200585020 |
| Last Transfer Date | Sep 27, 2018 |
| Transfer Doc | 0000077503 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2022 |
| Name | Verified Name |
|---|---|
| Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Document Number | 0000013311 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022-013311 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Document Number | 0000084105 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 2021-084105 |
| Name | ROYAL BUSINESS BANK |
|---|---|
| Type | Bank |
| Address | LOS ANGELES, CA 90017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jun 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Oct 04, 2018 |
| Property Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Document Number | 0000077503 |
| Map Reference | MB24 PG19 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 2018-077503 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Title Company | TICOR TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Document Number | 0000077504 |
|---|---|
| Date | Oct 04, 2018 |
| Instrument | 2018-077504 |
| Name | ROYAL BUSINESS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Oct 01, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 1-Year LIBOR |
| Max Rate | 10% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Mar 21, 2018 |
| Property Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Document Number | 0000020907 |
| Instrument Date | Dec 07, 2017 |
| Instrument | 20907 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 231 CUARDO AVE MILLBRAE CA 940302713, MILLBRAE, CA 94030-2713 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 231 CUARDO AVE, MILLBRAE, CA 94030-2713 |
| Document Number | 0000088154 |
| Instrument Date | Oct 02, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2017 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 231 CUARDO AVE MILLBRAE CA 940302713, MILLBRAE, CA 94030-2713 |
| Document Number | 0000088154 |
|---|---|
| Date | Oct 05, 2017 |
| Instrument | 88154 |
| Name | KGW ENT LLC |
|---|---|
| Address | PO BOX 1212, MILLBRAE, CA 94030-5212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | Millbrae City |
| Elementary School District | Millbrae Elementary School District (KG - 08) |
| Secondary School District | San Mateo Union High School District (09 - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,134,609 (+2%) Land $472,737 Building $661,872 | ||
| 2025 | $14,540.00 (+6.69%) Homeowner's exemption | $1,112,363 (+4.04%) Land $463,468 Building $648,895 | |
| 2023 | $13,628.00 (+14.58%) Homeowner's exemption | $1,069,172 Land $445,472 Building $623,700 | $1,094,670 |
| 2022 | $11,894.00 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 83 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 83 in force |
| Nearby Flood Claims | 10 (1982–1983) |
| Claims Outside the SFHA | 7 of 10 |
| Most Recent Claim | Jan 1983 · tidal / storm surge |
| Claims by Event |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Etheric Communications, LLC. Fixed Wireless | 250 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: California Internet, Race Telecommunications, Radiate Holdings, Sail Internet Holdings, Verizon.
Based on FCC filings for 400 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MILLBRAE serves 22,795 people |
|---|---|
| Water Source | Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM |
| Last State Inspection | Apr 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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