232 Willow Rd, Menlo Park, CA 94025 Property Records

San Mateo County property record for 232 Willow Rd, Menlo Park, CA 94025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,245 sqft · built 1947
Lot Size	0.126 acres (5,481 sqft)
Owner	2 Trust Names on File
Last Sale	$2,281,000 (Aug 2023)
Tax Bill	$28,686 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`062-311-670`

Property Details

APN / Parcel Number

Primary APN	`062-311-670`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,245 sqft Living Area
1st Floor Area	1,150 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Roof Material	Composition Shingle
Lot Area	5,481 sqft (0.126 acres)
Lot Dimensions	91 ft deep x 65 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	232 WILLOW RD
City	MENLO PARK
State	CA
Zip	94025-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10008
Legal Description	LOT 158 & ADJ 5 FT OF ABAND PEDESTRIAN WAY THE WILLOWS MAP NO 5 RSM 25/37 38
Legal Subdivision	THE WILLOWS MAP NO 5
Legal Lot Number	158
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	5
Census Block	5012
Census Tract	613900

Owner

232 Willow Rd is owner-occupied and held in a trust since August 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	232 WILLOW RD, MENLO PARK, CA 94025-2712
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
May 19, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A
Aug 15, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2023 · Amount on File
Deed Sale	Aug 15, 2023 · Amount on File
Prior Sale	Feb 5, 2002 · Amount on File
Deed Document Number	202339166
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	May 19, 2026
Property Address	232 WILLOW RD, MENLO PARK, CA 94025-2712
Document Number	0000028722
Instrument Date	May 12, 2026
Instrument	202628722
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	232 WILLOW RD, MENLO PARK, CA 94025-2712

Mortgage

Document Number	0000028722,
Date	May 19, 2026
Instrument	202628722

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	Apr 20, 2026
Property Address	232 WILLOW RD, MENLO PARK, CA 94025-2712
Document Number	0000020534
Instrument Date	Apr 7, 2026
Instrument	202620534
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	232 WILLOW RD, MENLO PARK, CA 94025-2712

Mortgage

Document Number	0000020534,
Date	Apr 20, 2026
Instrument	202620534

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 15, 2023
Property Address	232 WILLOW RD, MENLO PARK, CA 94025-2712
Document Number	0000039166
Map Reference	MB 25 PG 37&38
Instrument Date	Aug 8, 2023
Instrument	2023-039166
Transaction Type	Transfer
Record Updated	Sep 25, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,509.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	232 WILLOW RD, MENLO PARK, CA 94025-2712

Mortgage

Document Number	0000039167
Date	Aug 15, 2023
Instrument	2023-039167

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.1%
Max Rate	11.1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	232 WILLOW RD, MENLO PARK, CA 94025-2712
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 WILLOW RD, MENLO PARK, CA 94025-2712

Mortgage

Document Number	0000088666
Date	Sep 1, 2020
Instrument	2020-088666

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 232 Willow Rd was $28,686, up 2.8% 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	Menlo Park City
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		$2,387,942 (+2.64%) Land $1,831,104 Building $556,838
2025	$28,686.00 (+2.82%)	$2,326,620 Land $1,795,200 Building $531,420
2024	$27,899.00 (+149.7%)
2023	$11,173.00 (+2.83%) Homeowner's exemption	$759,648 Land $379,824 Building $379,824	$1,987,470
2022	$10,866.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 232 Willow Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 62 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	62 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

The area around 232 Willow Rd 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	MENLO PARK MUNICIPAL WATER serves 22,362 people · EPA ID CA4110017
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	3 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 425 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

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

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