San Mateo County property record for 428 28th Ave, San Mateo, CA 94403
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,330 sqft · built 1938 |
| Lot Size | 0.161 acres (7,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $250,000 (May 1995) |
| Tax Bill | $9,147 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-324-190 |
| Primary APN | 039-324-190 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,330 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Ranch |
| Lot Area | 7,000 sqft (0.161 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 428 28TH AVE |
|---|---|
| City | SAN MATEO |
| State | CA |
| Zip | 94403-2407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 17 BLOCK 8 SAN MATEO TERRACE MAP NO 3 RSM 21/76 77 CITY OF SAN MATEO |
| Legal Subdivision | SAN MATEO TERRACE MAP NO 3 |
| Legal Block | 8 |
| Legal Lot Number | 17 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 607400 |
428 28th Ave is owner-occupied and held in a trust since May 1995.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 428 28TH AVE, SAN MATEO, CA 94403-2407 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| May 8, 2017 | Deed of Trust, Mortgage · ARM BUSEY BANK |
| May 9, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 1995 · Amount on File |
| Deed Sale | May 5, 1995 · Amount on File |
| Deed Document Number | 199546038 |
| Prior Transfer Date | Feb 10, 1995 |
| Prior Transfer Doc | 0000014732 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 428 28TH AVE, SAN MATEO, CA 94403-2407 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 428 28TH AVE, SAN MATEO, CA 94403-2407 |
| Document Number | 0000059878 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 2021-059878 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 428 28TH AVE, SAN MATEO, CA 94403-2407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LINEAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000039423 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 2017-039423 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | May 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | May 9, 2017 |
| Property Address | 428 28TH AVE, SAN MATEO, CA 94403-2407 |
| Document Number | 0000039915 |
| Instrument Date | Apr 7, 2017 |
| Instrument | 39915 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 428 28TH AVE SAN MATEO CA 944032407, SAN MATEO, CA 94403-2407 |
The 2025 property tax bill for 428 28th Ave was $9,147 with a homeowner's exemption.
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 | $624,292 (+2%) Land $214,146 Building $410,146 | ||
| 2025 | $9,147.00 Homeowner's exemption | $612,054 Land $209,948 Building $402,106 | |
| 2023 | $8,844.00 (+0.47%) Homeowner's exemption | $588,292 Land $201,797 Building $386,495 | $1,670,850 |
| 2022 | $8,803.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 28th Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 4 (1978–1986) |
| Most Recent Claim | Feb 1986 · Severe Storms & Flooding |
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 risk around 428 28th Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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 799 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 | 1,500 / 50 |
May also be available: Etheric Networks, GeoLinks, T-Mobile, Verizon.
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