351 N Eldorado St, San Mateo, CA 94401 Property Records

San Mateo County property record for 351 N Eldorado St, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,430 sqft · built 1952
Lot Size	0.139 acres (6,059 sqft)
Owner	2 Trust Names on File
Last Sale	$1,050,000 (Aug 2018)
Tax Bill	$18,495 (2025)
Deeds & Mortgages	Aug 2026 Sale Dec 2023 Line of Credit + 5 more
Flood Zone	Zone X (moderate risk)
APN	`032-206-020`

Property Details

APN / Parcel Number

Primary APN	`032-206-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft
Family Room	Family Room

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	6,059 sqft (0.139 acres)
Lot Dimensions	121 ft deep x 50 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	351 N ELDORADO ST
City	SAN MATEO
State	CA
Zip	94401-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM0003
Legal Description	LOT 14 BLOCK 35 RESUB OF BLOCKS 34 35 & 36 WESTERN ADDITION TO TOWN OF SAN MATEO RSM 2/55
Legal Subdivision	WESTERN ADDITION TO TOWN OF SAN MATEO
Legal Block	35,34
Legal Lot Number	14
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1010
Census Tract	606201

Owner

351 N Eldorado St is owner-occupied and held in a trust since May 2019.

Source: San Mateo County records, as of September 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family 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
Aug 7, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 28, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 30, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 30, 2018	Affidavit of Death, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Deed Document Number	201867956
Last Transfer Date	May 22, 2019
Transfer Doc	0000039988
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 7, 2026
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Document Number	0000045068
Instrument Date	Jul 28, 2026
Instrument	202645068
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1642 E 21ST ST, OAKLAND, CA 94606-4040

Mortgage

Document Number	0000067236
Date	Dec 20, 2023
Instrument	2023-067236

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733

Mortgage

Document Number	0000019089
Date	Feb 5, 2021
Instrument	2021-019089

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALATLANTIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023244
Date	Mar 13, 2020
Instrument	2020-023244

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	May 28, 2019
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Document Number	0000039988
Map Reference	MB 2 PG 55
Instrument Date	May 22, 2019
Instrument	2019-039988
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CALATLANTIC TITLE

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	351 N ELDORADO ST, SAN MATEO, CA 94401-1733

Mortgage

Document Number	0000039989
Date	May 28, 2019
Instrument	2019-039989

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 30, 2018
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Document Number	0000067956
Map Reference	MB2 PG5
Instrument Date	Aug 20, 2018
Instrument	2018-067956
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733

Mortgage

Document Number	0000067957
Date	Aug 30, 2018
Instrument	2018-067957

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	Aug 30, 2018
Property Address	351 N ELDORADO ST, SAN MATEO, CA 94401-1733
Document Number	0000067955
Instrument Date	Aug 20, 2018
Instrument	67955
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	NORTH AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 SYLVIA DR PLEASANT HILL CA 945232910, PLEASANT HILL, CA 94523-2910

Tax Assessment & Valuation

The 2025 property tax bill for 351 N Eldorado St was $18,495.

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		$1,515,761 (+2%) Land $1,137,827 Building $377,934
2025	$18,495.00 Homeowner's exemption	$1,486,041 Land $1,115,517 Building $370,524
2023	$16,201.00 (+1.5%) Homeowner's exemption	$1,281,279 Land $1,072,201 Building $209,078	$1,564,200
2022	$15,961.00

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

Flood

FEMA maps place 351 N Eldorado St in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 351 N Eldorado St 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 694 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
Sonic Telecom Fiber	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Etheric Networks Fixed Wireless	250 / 100

May also be available: GeoLinks, T-Mobile, Unwired.

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