416 Stephen Rd, San Mateo, CA 94403 Property Records

San Mateo County property record for 416 Stephen Rd, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1948
Lot Size	0.177 acres (7,723 sqft)
Owner	2 Individuals on Record
Last Sale	$2,490,000 (Mar 2023)
Tax Bill	$31,410 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-471-330`

Property Details

APN / Parcel Number

Primary APN	`039-471-330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
1st Floor Area	1,350 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	7,723 sqft (0.177 acres)
Lot Dimensions	110 ft deep x 70 ft wide
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	416 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 26 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	26
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2014
Census Tract	607300

Owner

Source: San Mateo County assessment roll, 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 Individuals on Record
Mailing Address	416 STEPHEN RD, SAN MATEO, CA 94403-3353
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST
Feb 18, 2020	Grant Deed, Transfer · Conventional Mortgage PATELCO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on Record
Deed Sale	Mar 13, 2023 · Amount on Record
Prior Sale	Feb 18, 2020 · Amount on Record
Deed Document Number	202310954
Prior Transfer Date	Nov 4, 2010
Prior Transfer Doc	0000135913
Record Updated	Sep 20, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 13, 2023
Property Address	416 STEPHEN RD, SAN MATEO, CA 94403-3353
Document Number	0000010954
Map Reference	VOL 25 PG 32&33
Instrument Date	Mar 6, 2023
Instrument	2023-010954
Transaction Type	Transfer
Record Updated	Apr 11, 2023
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,189.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	416 STEPHEN RD, SAN MATEO, CA 94403-3353

Mortgage

Document Number	0000010955
Date	Mar 13, 2023
Instrument	2023-010955

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.11%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.1%
Index	Other
Margin	3
Max Rate	10.1%

Mortgage

Document Number	0000010956
Date	Mar 13, 2023
Instrument	2023-010956

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 18, 2020
Property Address	416 STEPHEN RD, SAN MATEO, CA 94403-3353
Document Number	0000013602
Map Reference	VOL 25 PG 32&33
Instrument Date	Feb 6, 2020
Instrument	2020-013602
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,176.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 STEPHEN RD, SAN MATEO, CA 94403-3353

Mortgage

Document Number	0000013603
Date	Feb 18, 2020
Instrument	2020-013603

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

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		$2,642,407 (+2%) Land $1,883,644 Building $758,763
2025	$31,410.00 (+13.09%)	$2,590,596 (+14.1%) Land $1,846,710 Building $743,886
2023	$27,774.00 (+0.3%)	$2,270,541 Land $1,450,624 Building $819,917	$2,162,790
2022	$27,691.00

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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