405 Cavanaugh St, San Mateo, CA 94401 Property Records

San Mateo County property record for 405 Cavanaugh St, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 910 sqft · built 1948
Lot Size	0.111 acres (4,850 sqft)
Owner	2 Company Names on Record
Last Sale	$783,000 (Oct 2015)
Tax Bill	$12,433 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`033-083-110`

Property Details

APN / Parcel Number

Primary APN	`033-083-110`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	910 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 49 ft wide
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 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 34 BLOCK 7 DORE & CAVANAGH SUB RSM 26/3 4 CITY OF SAN MATEO
Legal Subdivision	DORE & CAVANAGH SUB
Legal Block	7
Legal Lot Number	34
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	405 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Intrafamily Transfer, Transfer
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2015 · Amount on Record
Deed Sale	Oct 15, 2015 · Amount on Record
Prior Sale	Jun 21, 2012 · Amount on Record
Deed Document Number	2015109242
Prior Transfer Date	Oct 13, 1998
Prior Transfer Doc	0000179485
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 24, 2026
Property Address	405 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000009288
Map Reference	MB 26 PG 3&4
Instrument Date	Jan 28, 2026
Instrument	2026-009288
Transaction Type	Transfer
Record Updated	Mar 30, 2026

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	405 CAVANAUGH ST, SAN MATEO, CA 94401-1233

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	405 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CAVAAUGH ST, SAN MATEO, CA 94401-1233

Mortgage

Document Number	0000100205
Date	Jul 1, 2021
Instrument	2021-100205

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	405 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000008312
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 S BAYSHORE BLVD #20 SAN MATEO CA 944013172, 20, SAN MATEO, CA 94401-3172

Mortgage

Document Number	0000008312
Date	Jan 30, 2020
Instrument	8312

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

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		$945,446 (+2%) Land $472,723 Building $472,723
2025	$12,433.00 (+2.56%) Homeowner's exemption	$926,908 (+4.04%) Land $463,454 Building $463,454
2024	$12,123.00 (+0.55%)
2023	$12,057.00 (+3.86%) Homeowner's exemption	$890,916 Land $445,458 Building $445,458	$932,130
2022	$11,609.00

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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