3519 Michael Dr, San Mateo, CA 94403 Property Records

San Mateo County property record for 3519 Michael Dr, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,023 sqft · built 1951
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,580,000 (Jun 2024)
Tax Bill	$32,116 (2025)
Deeds & Mortgages	Jun 2019 Mortgage May 2018 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042-061-190`

Property Details

APN / Parcel Number

Primary APN	`042-061-190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,023 sqft Living Area
1st Floor Area	1,041 sqft
Family Room	Family Room

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Area	425 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3519 MICHAEL DR
City	SAN MATEO
State	CA
Zip	94403-4208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 19 BLOCK 2 LAUREL SLOPE RSM 29/22 CITY OF SAN
Legal Subdivision	LAUREL SLOPE
Legal Block	2
Legal Lot Number	19
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	3
Census Block	3001
Census Tract	607100

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 Individual Names on Record
Mailing Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2019	Deed of Trust, Mortgage · ARM UMPQUA BANK
May 30, 2018	Deed of Trust, Mortgage · Construction Mortgage UMPQUA BANK
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
May 26, 2017	Deed of Trust, Mortgage · Line of Credit EVERBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on Record
Deed Sale	Jun 26, 2024 · Amount on Record
Prior Sale	Oct 13, 2016 · Amount on Record
Deed Document Number	202433994
Prior Transfer Date	Feb 9, 2008
Prior Transfer Doc	0000022229
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045043
Date	Jun 12, 2019
Instrument	2019-045043

Lender

Name	UMPQUA BANK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041426
Date	May 30, 2018
Instrument	2018-041426

Lender

Name	UMPQUA BANK
Type	Bank
Address	PORTLAND, OR 97224

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	2%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	BNT TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208

Mortgage

Document Number	0000150280
Date	Dec 22, 2020
Instrument	2020-150280

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208

Mortgage

Document Number	0000172143
Date	Dec 16, 2021
Instrument	2021-172143

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	3519 MICHAEL DR, SAN MATEO, CA 94403-4208
Document Number	0000051665
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3519 MICHAEL DR SAN MATEO CA 944034208, SAN MATEO, CA 94403-4208

Mortgage

Document Number	0000051665
Date	Jun 16, 2017
Instrument	51665

Lender

Name	EVERBANK
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$2,684,231 (+2%) Land $1,804,053 Building $880,178
2025	$32,116.00 (+29.03%) Homeowner's exemption	$2,631,600 (+34.2%) Land $1,768,680 Building $862,920
2023	$24,891.00 (+1.95%) Homeowner's exemption	$1,960,887 Land $1,221,491 Building $739,396	$2,109,330
2022	$24,414.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2006 · Severe Storms, Flooding, Mudslides, And Landslides

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 98% of the US · lower than 98.4% 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 716 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 · Fiber in parts of the area	1,500 / 50

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

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