412 Stephen Rd, San Mateo, CA 94403 Property Records

San Mateo County property record for 412 Stephen Rd, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,605 sqft · built 1949
Lot Size	0.257 acres (11,206 sqft)
Owner	Individual Name on Record
Last Sale	$3,950,000 (May 2026)
Tax Bill	$31,442 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-471-320`

Property Details

APN / Parcel Number

Primary APN	`039-471-320`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,605 sqft Living Area
1st Floor Area	1,360 sqft
Family Room	Family Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	11,206 sqft (0.257 acres)
Lot Dimensions	144 ft deep x 85 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	412 STEPHEN RD
City	SAN MATEO
State	CA
Zip	94403-3353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 25 BLOCK 3 HILLSDALE UNIT NO 3 RSM 25/32 33 CITY OF SAN MATEO
Legal Subdivision	HILLSDALE UNIT NO 3
Legal Block	3
Legal Lot Number	25
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2014
Census Tract	607300

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	Individual Name on Record
Mailing Address	412 STEPHEN RD, SAN MATEO, CA 94403-3353
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on Record
Deed Sale	May 8, 2026 · Amount on Record
Prior Sale	Sep 23, 2014 · Amount on Record
Deed Document Number	202626462
Prior Transfer Date	Dec 16, 1996
Prior Transfer Doc	0000155451
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 8, 2026
Property Address	412 STEPHEN RD, SAN MATEO, CA 94403-3353
Document Number	0000026462
Instrument Date	May 4, 2026
Instrument	202626462
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	ORANGE COAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438,845.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	412 STEPHEN RD, SAN MATEO, CA 94403-3353

Mortgage

Document Number	0000026463,
Date	May 8, 2026
Instrument	202626463

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

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		$2,696,942 (+2%) Land $1,348,471 Building $1,348,471
2025	$31,442.00 (+3.59%) Homeowner's exemption	$2,644,062 (+4.04%) Land $1,322,031 Building $1,322,031
2023	$30,353.00 (+1.49%) Homeowner's exemption	$2,541,392 Land $1,270,696 Building $1,270,696	$2,304,990
2022	$29,908.00

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 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.

Wildfire

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.

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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