438 Cavanaugh St, San Mateo, CA 94401 Property Records

San Mateo County property record for 438 Cavanaugh St, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,804 sqft · built 1959
Lot Size	0.132 acres (5,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,349,000 (Dec 2021)
Tax Bill	$18,340 (2025)
Deeds & Mortgages	Jul 2022 Transfer Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`033-084-010`

Property Details

APN / Parcel Number

Primary APN	`033-084-010`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,804 sqft Living Area
1st Floor Area	870 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	5,742 sqft (0.132 acres)
Lot Dimensions	110 ft deep x 51 ft wide
View / Lot	Corner
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	438 CAVANAUGH ST
City	SAN MATEO
State	CA
Zip	94401-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	LOT 1 BLOCK 8 DORE & CAVANAGH SUB RSM 26/3 4 CITY OF SAN MATEO
Legal Subdivision	DORE & CAVANAGH SUB
Legal Block	8
Legal Lot Number	1
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1001
Census Tract	606100

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 Individual Names on Record
Mailing Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Correction Deed
Dec 23, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 1, 2021	Intrafamily Transfer, Transfer
Feb 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Feb 22, 2013 · Amount on Record
Deed Document Number	2021175115
Last Transfer Date	Jul 8, 2022
Transfer Doc	0000057549
Record Updated	Sep 20, 2026

July 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 28, 2022
Property Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232
Document Number	0000057549
Map Reference	MB 26 PG 3&4
Instrument Date	Jul 8, 2022
Instrument	2022-057549
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 23, 2021
Property Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232
Document Number	0000175115
Map Reference	MB 26 PG 3&4
Instrument Date	Dec 14, 2021
Instrument	2021-175115
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,228.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232

Mortgage

Document Number	0000175116
Date	Dec 23, 2021
Instrument	2021-175116

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 1, 2021
Property Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232
Document Number	0000015703
Map Reference	MB 26 PG 3&4
Instrument Date	Sep 2, 2020
Instrument	2021-015703
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	Family Trust
Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 1, 2021
Property Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232
Document Number	0000015701
Map Reference	MB 26 PG 3&4
Instrument Date	Sep 2, 2020
Instrument	2021-015701
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	AMROCK INC, AMROCK LLC

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
Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232

Mortgage

Document Number	0000015702
Date	Feb 1, 2021
Instrument	2021-015702

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Oct 1, 2035

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 19, 2020
Property Address	438 CAVANAUGH ST, SAN MATEO, CA 94401-1232
Document Number	0000057483
Instrument Date	May 7, 2020
Instrument	57483
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

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	438 CAVANAUGH ST SAN MATEO CA 944011232, SAN MATEO, CA 94401-1232

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		$1,460,198 (+2%) Land $874,387 Building $585,811
2025	$18,340.00 (+4.44%) Homeowner's exemption	$1,431,568 (+4.04%) Land $857,243 Building $574,325
2023	$17,561.00 (+1.87%) Homeowner's exemption	$1,375,980 Land $823,956 Building $552,024	$1,035,360
2022	$17,238.00

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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