320 Cavanaugh St, San Mateo, CA 94401 Property Records

San Mateo County property record for 320 Cavanaugh St, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1949
Lot Size	0.128 acres (5,567 sqft)
Owner	2 Company Names on Record
Last Sale	$45,000 (Oct 1998)
Tax Bill	$19,450 (2025)
Deeds & Mortgages	Jun 2021 Transfer Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`033-084-170`

Property Details

APN / Parcel Number

Primary APN	`033-084-170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	870 sqft
Family Room	Family Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Other
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,567 sqft (0.128 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 CAVANAUGH ST
City	SAN MATEO
State	CA
Zip	94401-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	LOT 17 BLOCK 8 DORE & CAVANAGH SUB RSM 26/3 4 CITY OF SAN MATEO
Legal Subdivision	DORE & CAVANAGH SUB
Legal Block	8
Legal Lot Number	17
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1001
Census Tract	606100

Owner

Source: San Mateo County records, as of October 9, 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	1800 MONTECITO WAY, BURLINGAME, CA 94010-5740
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2017	Deed of Trust, Mortgage SAN MATEO CITY EMPLOYEES FEDERAL CREDIT
May 31, 2018	Quit Claim Deed, Transfer CORNERSTONE TITLE COMPANY
May 31, 2018	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 1998 · Amount on Record
Deed Sale	Oct 9, 1998 · Amount on Record
Deed Document Number	1998164639
Last Transfer Date	Feb 1, 2024
Transfer Doc	0000007741
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jun 30, 2021
Property Address	320 CAVANAUGH ST, SAN MATEO, CA 94401-1213
Document Number	0000099455
Map Reference	MB 26 PG 3
Instrument Date	Jun 15, 2021
Instrument	2021-099455
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1800 MONTECITO WAY, BURLINGAME, CA 94010-5740

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jun 30, 2021
Property Address	320 CAVANAUGH ST, SAN MATEO, CA 94401-1213
Document Number	0000099453
Map Reference	MB 26 PG 3
Instrument Date	Jun 15, 2021
Instrument	2021-099453
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1800 MONTECITO WAY, BURLINGAME, CA 94010-5740

Mortgage

Document Number	0000099454
Date	Jun 30, 2021
Instrument	2021-099454

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	320 CAVANAUGH ST, SAN MATEO, CA 94401-1213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076605
Date	Aug 31, 2017
Instrument	2017-076605

Lender

Name	SAN MATEO CITY EMPLOYEES FEDERAL CREDIT

Agreement

Amount	Amount Recorded

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 31, 2018
Property Address	320 CAVANAUGH ST, SAN MATEO, CA 94401-1213
Document Number	0000041835
Instrument Date	May 29, 2018
Instrument	41835
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1800 MONTECITO WAY BURLINGAME CA 940105740, BURLINGAME, CA 94010-5740

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 31, 2018
Property Address	320 CAVANAUGH ST, SAN MATEO, CA 94401-1213
Document Number	0000041833
Instrument Date	May 23, 2018
Instrument	41833
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,431.10
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1800 MONTECITO WAY BURLINGAME CA 940105740, BURLINGAME, CA 94010-5740

Mortgage

Document Number	41834
Date	May 31, 2018
Instrument	41834

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

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		$1,509,683 (+2%) Land $1,056,780 Building $452,903
2025	$19,450.00 (+2.47%)	$1,480,082 (+4.04%) Land $1,036,059 Building $444,023
2023	$18,981.00 (+2.95%)	$1,422,611 Land $995,829 Building $426,782	$1,132,560
2022	$18,437.00

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

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AH, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (1982–2015)
Most Recent Claim	Feb 2015 · other causes

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 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
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
Verizon Fixed Wireless	1,000 / 75
Unwired Fixed Wireless	300 / 25
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, Sonic Telecom, T-Mobile.

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