San Mateo County property record for 409 Stephen Rd, San Mateo, CA 94403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,820 sqft · built 1948 |
| Lot Size | 0.184 acres (8,029 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,194 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-472-060 |
| Primary APN | 039-472-060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,820 sqft Living Area |
| 1st Floor Area | 1,520 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 8,029 sqft (0.184 acres) |
| Lot Dimensions | 105 ft deep x 90 ft wide |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 409 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 1 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 | 1 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 607300 |
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 | 409 STEPHEN RD, SAN MATEO, CA 94403-3352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 409 STEPHEN RD, SAN MATEO, CA 94403-3352 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 409 STEPHEN RD, SAN MATEO, CA 94403-3352 |
| Document Number | 0000044835 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 2022-044835 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
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 | $590,564 (+2%) Land $195,221 Building $395,343 | ||
| 2025 | $9,194.00 (+2.05%) Homeowner's exemption | $578,986 (+4.04%) Land $191,394 Building $387,592 | |
| 2023 | $9,009.00 (-1%) Homeowner's exemption | $556,506 Land $183,963 Building $372,543 | $2,021,220 |
| 2022 | $9,100.00 |
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 minimal risk |
|---|---|
| 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.
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.
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 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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