San Mateo County property record for 432 Stephen Rd, San Mateo, CA 94403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,650 sqft · built 1948 |
| Lot Size | 0.17 acres (7,407 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $6,564 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-471-370 |
| Primary APN | 039-471-370 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 1,480 sqft |
| Family Room | Family Room |
| Study | Study |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 7,407 sqft (0.17 acres) |
| Lot Dimensions | 111 ft deep x 67 ft wide |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 432 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 30 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 | 30 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 607300 |
432 Stephen Rd is owner-occupied and held in a trust since May 2010.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 432 STEPHEN RD, SAN MATEO, CA 94403-3353 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 17, 2010 |
| Transfer Doc | 0000061333 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 432 STEPHEN RD, SAN MATEO, CA 94403-3353 |
| Document Number | 0000036781 |
| Instrument Date | Apr 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2020 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 432 STEPHEN RD SAN MATEO CA 944033353, SAN MATEO, CA 94403-3353 |
| Document Number | 0000036781 |
|---|---|
| Date | Apr 23, 2020 |
| Instrument | 36781 |
| Name | POLICE CU/CALIFORNIA |
|---|---|
| Address | SAN BRUNO, CA 94066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 22, 2035 |
The 2025 property tax bill for 432 Stephen Rd was $6,564 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 | $445,409 (+2%) Land $178,158 Building $267,251 | ||
| 2025 | $6,564.00 Homeowner's exemption | $436,676 Land $174,665 Building $262,011 | |
| 2023 | $6,243.00 (+0.45%) Homeowner's exemption | $419,722 Land $167,884 Building $251,838 | $1,932,030 |
| 2022 | $6,215.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Stephen Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.
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.
The area around 432 Stephen Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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