3 Emerald Ct, San Mateo, CA 94403 Property Records

San Mateo County property record for 3 Emerald Ct, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,010 sqft · built 1957
Lot Size	0.251 acres (10,913 sqft)
Owner	2 Company Names on Record
Last Sale	$445,000 (Oct 1995)
Tax Bill	$3,139 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`039-220-170`

Property Details

APN / Parcel Number

Primary APN	`039-220-170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,010 sqft Living Area
1st Floor Area	2,010 sqft
Family Room	Family Room

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	10,913 sqft (0.251 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3 EMERALD CT
City	SAN MATEO
State	CA
Zip	94403-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 16 BLOCK 10 HILLSDALE UNIT NO 8 RSM 43/6 10 CITY OF SAN MATEO
Legal Subdivision	HILLSDALE UNIT NO 8
Legal Block	10
Legal Lot Number	16
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2007
Census Tract	606700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3 EMERALD CT, SAN MATEO, CA 94403-3110
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Apr 11, 2017	Deed of Trust, Mortgage · Line of Credit UPWARD CREDIT UNION UPWARD CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 1995 · Amount on Record
Deed Sale	Oct 11, 1995 · Amount on Record
Deed Document Number	1995107857
Prior Transfer Date	Sep 18, 1995
Prior Transfer Doc	0000107856
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3 EMERALD CT, SAN MATEO, CA 94403-3110
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 EMERALD CT, SAN MATEO, CA 94403-3110

Mortgage

Document Number	0000150114
Date	Dec 22, 2020
Instrument	2020-150114

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3 EMERALD CT, SAN MATEO, CA 94403-3110
Document Number	0000034997
Instrument Date	Apr 11, 2017
Transaction Type	Mortgage
Record Updated	May 12, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3 EMERALD CT SAN MATEO CA 944033110, SAN MATEO, CA 94403-3110

Mortgage

Document Number	0000034997
Date	Apr 24, 2017
Instrument	34997

Lender

Name	UPWARD CREDIT UNION UPWARD CREDIT UNION
Address	1860 EL CAMINO REAL # 100, BURLINGAME, CA 94010-3106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$180,215 (+2%) Land $42,484 Building $137,731
2025	$3,139.00 (+8.58%) Homeowner's exemption	$176,682 (+4.04%) Land $41,651 Building $135,031
2023	$2,891.00 (-0.58%) Homeowner's exemption	$169,825 Land $40,035 Building $129,790	$1,497,240
2022	$2,908.00

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

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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.

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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

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

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