438 Highland Ave, San Mateo, CA 94401 Property Records

San Mateo County property record for 438 Highland Ave, San Mateo, CA 94401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,220 sqft · built 1912
Lot Size	0.104 acres (4,533 sqft)
Owner	2 Individual Names on File
Last Sale	$1,010,000 (Aug 2015)
Tax Bill	$17,230 (2025)
Deeds & Mortgages	May 2018 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032-177-170`

Property Details

APN / Parcel Number

Primary APN	`032-177-170`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft
Family Room	Family Room

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Lot Area	4,533 sqft (0.104 acres)
Lot Dimensions	114 ft deep x 40 ft wide
Garage Area	170 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	438 HIGHLAND AVE
City	SAN MATEO
State	CA
Zip	94401-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20000
Legal Description	LOT 22 KROGER SUB OF PTN OF BLK 8 WESTERN ADDN TO SAN MATEO RSM 4/44
Legal Subdivision	WESTERN ADDN TO SAN MATEO
Legal Block	8
Legal Lot Number	22
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	3
Census Block	3004
Census Tract	605901

Owner

438 Highland Ave is owned and occupied by two individuals who bought it in August 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 HIGHLAND AVE, SAN MATEO, CA 94401-2416
Occupancy	Owner Occupied
Owner Type	Individual

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
May 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2015 · Amount on File
Deed Sale	Aug 25, 2015 · Amount on File
Deed Document Number	201590220
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	438 HIGHLAND AVE, SAN MATEO, CA 94401-2416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041427
Date	May 30, 2018
Instrument	2018-041427

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	438 HIGHLAND AVE, SAN MATEO, CA 94401-2416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080390
Date	Aug 13, 2020
Instrument	2020-080390

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 438 Highland Ave was $17,230.

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		$1,424,261 (+2%) Land $1,203,447 Building $220,814
2025	$17,230.00	$1,396,335 Land $1,179,850 Building $216,485
2023	$16,531.00 (+1.45%)	$1,342,116 Land $1,134,036 Building $208,080	$1,624,770
2022	$16,294.00

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

Flood

FEMA maps place 438 Highland Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 438 Highland Ave 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.

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 713 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
Sonic Telecom Fiber	1,000 / 1,000
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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