431 Cavanaugh St, San Mateo, CA 94401 Property Records

San Mateo County property record for 431 Cavanaugh St, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1948
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Sep 2020)
Tax Bill	$15,264 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`033-083-030`

Property Details

APN / Parcel Number

Primary APN	`033-083-030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 CAVANAUGH ST
City	SAN MATEO
State	CA
Zip	94401-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 42 BLOCK 7 DORE & CAVANAGH SUB RSM 26/3 4 CITY OF SAN MATEO
Legal Subdivision	DORE & CAVANAGH SUB
Legal Block	7
Legal Lot Number	42
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1002
Census Tract	606100

Owner

431 Cavanaugh St is owned and occupied by two individuals who acquired it in April 2021.

Source: San Mateo County records, as of July 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	431 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 30, 2020	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Aug 10, 2020	Quit Claim Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Prior Sale	Sep 12, 2007 · Amount on File
Deed Document Number	2020103633
Last Transfer Date	Apr 13, 2021
Transfer Doc	0000060928
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Apr 16, 2021
Property Address	431 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000060928
Map Reference	MB 26 PG 3&4
Instrument Date	Apr 13, 2021
Instrument	2021-060928
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	NORTH AMERICAN TITLE

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	Community Property with Right of Survivorship
Address	431 CAVANAUGH ST, SAN MATEO, CA 94401-1233

Mortgage

Document Number	0000060929
Date	Apr 16, 2021
Instrument	2021-060929

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 30, 2020
Property Address	431 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000103633
Map Reference	MB 26 PG 3&4
Instrument Date	Sep 15, 2020
Instrument	2020-103633
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,710.00
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	431 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Investor	Possibly a Property Investor

Mortgage

Document Number	0000103634
Date	Sep 30, 2020
Instrument	2020-103634

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Max Rate	7.75%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 10, 2020
Property Address	431 CAVANAUGH ST, SAN MATEO, CA 94401-1233
Document Number	0000078545
Instrument Date	Aug 4, 2020
Instrument	78545
Transaction Type	Transfer
Record Updated	Sep 4, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431 CAVANAUGH ST SAN MATEO CA 944011233, SAN MATEO, CA 94401-1233

Tax Assessment & Valuation

The 2025 property tax bill for 431 Cavanaugh St was $15,264 with a homeowner's exemption.

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		$1,214,486 (+2%) Land $883,263 Building $331,223
2025	$15,264.00 Homeowner's exemption	$1,190,674 Land $865,945 Building $324,729
2023	$14,438.00 (+1.01%) Homeowner's exemption	$1,144,440 Land $832,320 Building $312,120	$966,600
2022	$14,294.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 431 Cavanaugh St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 431 Cavanaugh St 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 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 257 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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