401 Cavanaugh St, San Mateo, CA 94401 Property Records

San Mateo County property record for 401 Cavanaugh St, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,070 sqft · built 1948
Lot Size	0.111 acres (4,850 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Jun 2016)
Tax Bill	$23,601 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`033-083-120`

Property Details

APN / Parcel Number

Primary APN	`033-083-120`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,070 sqft Living Area
1st Floor Area	910 sqft
Family Room	Family Room

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	4,850 sqft (0.111 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 CAVANAUGH ST
City	SAN MATEO
State	CA
Zip	94401-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	LOT 33 BLOCK 7 DORE & CAVANAGH SUB RSM 26/3 4 CITY OF SAN MATEO
Legal Subdivision	DORE & CAVANAGH SUB
Legal Block	7
Legal Lot Number	33
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1002
Census Tract	606100

Owner

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	401 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jan 28, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Aug 16, 2018	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2016 · Amount on Record
Deed Sale	Jun 14, 2016 · Amount on Record
Deed Document Number	201657949
Last Transfer Date	Dec 9, 2020
Transfer Doc	0000148467
Record Updated	Sep 20, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 18, 2020
Property Address	401 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000148467
Map Reference	MB 26 PG 3&4
Instrument Date	Dec 9, 2020
Instrument	2020-148467
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE365

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	401 CAVANAUGH ST, SAN MATEO, CA 94401-1233

Mortgage

Document Number	0000148468
Date	Dec 18, 2020
Instrument	2020-148468

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	401 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000007484
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 CAVANAUGH ST SAN MATEO CA 944011233, SAN MATEO, CA 94401-1233

Mortgage

Document Number	0000007484
Date	Feb 4, 2019
Instrument	7484

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 3, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 16, 2018
Property Address	401 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000064241
Instrument Date	Aug 13, 2018
Instrument	64241
Transaction Type	Transfer
Record Updated	Sep 3, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,870.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 CAVANAUGH ST SAN MATEO CA 944011233, SAN MATEO, CA 94401-1233

Mortgage

Document Number	64242
Date	Aug 16, 2018
Instrument	64242

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 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		$1,934,303 (+2%) Land $1,365,392 Building $568,911
2025	$23,601.00 (+4.41%) Homeowner's exemption	$1,896,376 (+4.04%) Land $1,338,620 Building $557,756
2023	$22,604.00 (+1.33%) Homeowner's exemption	$1,822,740 Land $1,286,641 Building $536,099	$1,376,190
2022	$22,308.00

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 500 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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