431 Stephen Rd, San Mateo, CA 94403 Property Records

San Mateo County property record for 431 Stephen Rd, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,730 sqft · built 1948
Lot Size	0.23 acres (9,997 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,398 (2025)
Deeds & Mortgages	Feb 2021 Transfer Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-472-020`

Property Details

APN / Parcel Number

Primary APN	`039-472-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,730 sqft Living Area
1st Floor Area	1,480 sqft
Family Room	Family Room

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	9,997 sqft (0.23 acres)
Lot Dimensions	142 ft deep x 70 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	431 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 10 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	10
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2019
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	2 Company Names on Record
Mailing Address	2804 BENSON WAY, BELMONT, CA 94002-2939
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Intrafamily Transfer, Transfer
Feb 10, 2021	Intrafamily Transfer, Transfer
Nov 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 5, 2008
Transfer Doc	0000102934
Record Updated	Sep 20, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 10, 2021
Property Address	431 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000022737
Map Reference	MB 25 PG 32
Instrument Date	Feb 9, 2021
Instrument	2021-022737
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	2804 BENSON WAY, BELMONT, CA 94002-2939
Investor	Possibly a Property Investor

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 10, 2021
Property Address	431 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000022119
Map Reference	MB 25 PG 32
Instrument Date	Feb 9, 2021
Instrument	2021-022119
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	431 STEPHEN RD, SAN MATEO, CA 94403-3352

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 30, 2017
Property Address	431 STEPHEN RD, SAN MATEO, CA 94403-3352
Document Number	0000106947
Instrument Date	Nov 28, 2017
Instrument	106947
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	431 STEPHEN RD SAN MATEO CA 944033352, SAN MATEO, CA 94403-3352

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		$186,132 (+2%) Land $43,717 Building $142,415
2025	$4,398.00 (-2.79%)	$182,483 (+4.04%) Land $42,860 Building $139,623
2023	$4,524.00 (-3.83%)	$175,399 Land $41,197 Building $134,202	$1,973,970
2022	$4,704.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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