312 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 312 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1938
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Trust Names on File
Last Sale	$1,255,000 (Aug 2016)
Tax Bill	$21,168 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`039-325-220`

Property Details

APN / Parcel Number

Primary APN	`039-325-220`
Alternative APN	`039325150`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
Gross Area	1,720 sqft
1st Floor Area	940 sqft
Basement Area	380 sqft
Family Room	Family Room

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	312 28TH AVE
City	SAN MATEO
State	CA
Zip	94403-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6000 SQ FT MOL PTNS OF LOTS 3 & 4 BERESFORD PARK RSM 1/66
Legal Subdivision	BERESFORD PARK
Legal Lot Number	3,4
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	3
Census Block	3012
Census Tract	607400

Owner

312 28th Ave is owner-occupied and held in a trust since April 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	312 28TH AVE, SAN MATEO, CA 94403-2405
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
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Mar 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Dec 31, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
May 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2016 · Amount on File
Deed Sale	Aug 3, 2016 · Amount on File
Prior Sale	Apr 17, 2008 · Amount on File
Deed Document Number	201676110
Last Transfer Date	Apr 19, 2019
Transfer Doc	0000039280
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	312 28TH AVE, SAN MATEO, CA 94403-2405
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 28TH AVE, SAN MATEO, CA 94403-2405

Mortgage

Document Number	0000071894
Date	Dec 31, 2025
Instrument	2025-071894

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	312 28TH AVE, SAN MATEO, CA 94403-2405
Transaction Type	Mortgage
Record Updated	Apr 12, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 28TH AVE, SAN MATEO, CA 94403-2405

Mortgage

Document Number	0000011401
Date	Mar 15, 2023
Instrument	2023-011401

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	312 28TH AVE, SAN MATEO, CA 94403-2405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 28TH AVE, SAN MATEO, CA 94403-2405

Mortgage

Document Number	0000135904
Date	Nov 30, 2020
Instrument	2020-135904

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	312 28TH AVE, SAN MATEO, CA 94403-2405
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112432
Date	Dec 31, 2019
Instrument	2019-112432

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 23, 2019
Property Address	312 28TH AVE, SAN MATEO, CA 94403-2405
Document Number	0000039280
Instrument Date	Apr 19, 2019
Instrument	39280
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	312 28TH AVE SAN MATEO CA 944032405, SAN MATEO, CA 94403-2405

Tax Assessment & Valuation

The 2025 property tax bill for 312 28th Ave was $21,168 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		$1,736,578 (+2%) Land $1,278,498 Building $458,080
2025	$21,168.00 Homeowner's exemption	$1,702,529 Land $1,253,430 Building $449,099
2023	$19,599.00 (+15.27%) Homeowner's exemption	$1,620,971 Land $1,204,758 Building $416,213	$1,369,260
2022	$17,002.00

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

Flood

FEMA maps place 312 28th Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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	4 (1978–1986)
Most Recent Claim	Feb 1986 · Severe Storms & Flooding

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 312 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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