401 Stephen Rd, San Mateo, CA 94403 Property Records

San Mateo County property record for 401 Stephen Rd, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 1948
Lot Size	0.191 acres (8,298 sqft)
Owner	2 Company Names on Record
Tax Bill	$10,192 (2025)
Deeds & Mortgages	Jul 2026 Transfer Dec 2025 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`039-472-070`

Property Details

APN / Parcel Number

Primary APN	`039-472-070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,570 sqft Living Area
1st Floor Area	1,510 sqft
Family Room	Family Room

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	8,298 sqft (0.191 acres)
Lot Dimensions	80 ft deep x 60 ft wide
View / Lot	Corner
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	401 STEPHEN RD
City	SAN MATEO
State	CA
Zip	94403-3352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 2 BLOCK 4 HILLSDALE UNIT NO 3 RSM 25/32 33 CITY OF SAN MATEO
Legal Subdivision	HILLSDALE UNIT NO 3
Legal Block	4
Legal Lot Number	2
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2019
Census Tract	607300

Owner

Source: San Mateo County records, as of August 11, 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	401 STEPHEN RD, SAN MATEO, CA 94403-3352
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Affidavit of Death of Trustee, Transfer
Dec 4, 2025	Intrafamily Transfer, Transfer
Feb 22, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2022	Intrafamily Transfer, Transfer AMROCK LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 1997
Deed Sale	Apr 4, 1997
Prior Sale	Dec 5, 1996 · Amount on Record
Deed Document Number	199738902
Last Transfer Date	Feb 14, 2022
Transfer Doc	0000015587
Record Updated	Sep 20, 2026

July 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN MATEO CA
Recording Date	Jul 13, 2026
Property Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000039713
Instrument Date	Jul 6, 2026
Instrument	202639713
Transaction Type	Transfer
Record Updated	Aug 11, 2026

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	Life Tenant
Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 4, 2025
Property Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000066236
Map Reference	MB 25 PG 32&33
Instrument Date	Dec 2, 2025
Instrument	2025-066236
Transaction Type	Transfer
Record Updated	Dec 31, 2025

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	Living Trust
Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 22, 2022
Property Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000015585
Map Reference	MB 25 PG 32&33
Instrument Date	Feb 14, 2022
Instrument	2022-015585
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	AMROCK INC, AMROCK LLC

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
Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352

Mortgage

Document Number	0000015586
Date	Feb 22, 2022
Instrument	2022-015586

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 22, 2022
Property Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000015587
Map Reference	MB 25 PG 32&33
Instrument Date	Feb 14, 2022
Instrument	2022-015587
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Revocable Living Trust
Address	401 STEPHEN RD, SAN MATEO, CA 94403-3352

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		$748,352 (+2%) Land $371,283 Building $377,069
2025	$10,192.00 (+0.52%) Homeowner's exemption	$733,679 (+4.04%) Land $364,003 Building $369,676
2024	$10,139.00 (+1.5%)
2023	$9,989.00 (+0.25%) Homeowner's exemption	$705,191 Land $349,869 Building $355,322	$1,890,090
2022	$9,964.00

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 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
Nearby Flood Claims	4 (1998–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Dec 2022 · rainfall accumulation

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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