445 23rd Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 445 23rd Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,560 sqft · built 1951
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,360,000 (Oct 2025)
Tax Bill	$24,429 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-132-120`

Property Details

APN / Parcel Number

Primary APN	`039-132-120`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,340 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	445 23RD AVE
City	SAN MATEO
State	CA
Zip	94403-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	50 FT X 110 FT ON SLY LINE OF 23RD AVE BEING NELY PTM OF LOT 12 BLOCK 7 SAN MATEO VILLA PARK RSM 12/50 51 CITY OF SAN MATEO
Legal Subdivision	SAN MATEO VILLA PARK
Legal Block	7
Legal Lot Number	12
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2000
Census Tract	606700

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	445 23RD AVE, SAN MATEO, CA 94403-2241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 14, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	202556314
Prior Transfer Date	May 25, 1994
Prior Transfer Doc	0000110901
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 23, 2025
Property Address	445 23RD AVE, SAN MATEO, CA 94403-2241
Document Number	0000056314
Map Reference	MB 12 PG 50&51
Instrument Date	Oct 14, 2025
Instrument	2025-056314
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	CORNERSTONE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,596.00
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	445 23RD AVE, SAN MATEO, CA 94403-2241

Mortgage

Document Number	0000056315
Date	Oct 23, 2025
Instrument	2025-056315

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 14, 2021
Property Address	445 23RD AVE, SAN MATEO, CA 94403-2241
Document Number	0000105223
Map Reference	MB 12 PG 50&51
Instrument Date	Jul 8, 2021
Instrument	2021-105223
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,432.20
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	445 23RD AVE, SAN MATEO, CA 94403-2241

Mortgage

Document Number	0000105224
Date	Jul 14, 2021
Instrument	2021-105224

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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		$2,360,000 (+21.15%) Land $1,700,000 Building $660,000
2025	$24,429.00 (-8.27%)	$1,948,000 (-2.11%) Land $1,326,500 Building $621,500
2024	$26,632.00 (+8.64%)
2023	$24,513.00 (-9%)	$1,990,000 Land $1,356,000 Building $634,000	$2,001,960
2022	$26,936.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · 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 799 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	1,500 / 50

May also be available: Etheric Networks, GeoLinks, T-Mobile, Verizon.

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