San Mateo County property record for 3953 O'Neill Dr, San Mateo, CA 94403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1950 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,070,000 (Nov 2016) |
| Tax Bill | $15,933 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 040-211-240 |
| Primary APN | 040-211-240 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Family Room | Family Room |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 250 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3953 ONEILL DR |
|---|---|
| City | SAN MATEO |
| State | CA |
| Zip | 94403-3637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 13 BLOCK 20 SAN MATEO VILLAGE UNIT NO 3 RSM 30/12 13 CITY OF SAN MATEO |
| Legal Subdivision | SAN MATEO VILLAGE UNIT NO 3 |
| Legal Block | 20 |
| Legal Lot Number | 13 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 608501 |
Source: San Mateo County records, as of July 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3953 ONEILL DR, SAN MATEO, CA 94403-3637 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2016 · Amount on Record |
| Deed Sale | Nov 3, 2016 · Amount on Record |
| Prior Sale | Sep 3, 1999 · Amount on Record |
| Deed Document Number | 2016115734 |
| Prior Transfer Date | Sep 13, 2001 |
| Prior Transfer Doc | 0000150502 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 3953 ONEILL DR, SAN MATEO, CA 94403-3637 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|---|
| Address | 706 MENDOCINO WAY, REDWOOD CITY, CA 94065-1797 |
| Document Number | 0000161806 |
|---|---|
| Date | Nov 23, 2021 |
| Instrument | 2021-161806 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 3953 ONEILL DR, SAN MATEO, CA 94403-3637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000044822 |
|---|---|
| Date | May 18, 2020 |
| Instrument | 2020-044822 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
Source: San Mateo County assessment roll, as of July 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,266,656 (+2%) Land $633,328 Building $633,328 | ||
| 2025 | $15,933.00 (+2.41%) | $1,241,820 (+4.04%) Land $620,910 Building $620,910 | |
| 2023 | $15,558.00 (+2.46%) | $1,193,600 Land $596,800 Building $596,800 | $1,361,250 |
| 2022 | $15,184.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 2 (1979–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jan 2010 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 780 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 | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
May also be available: GeoLinks, T-Mobile.
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