45 Spruce St, Millbrae, CA 94030 Property Records

San Mateo County property record for 45 Spruce St, Millbrae, CA 94030

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1959
Lot Size	0.057 acres (2,496 sqft)
Owner	2 Individual Names on File
Last Sale	$950,000 (Mar 2025)
Tax Bill	$7,850 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021-302-190`

Property Details

APN / Parcel Number

Primary APN	`021-302-190`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Family Room	Family Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	2,496 sqft (0.057 acres)
Lot Dimensions	100 ft deep x 25 ft wide
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	45 SPRUCE ST
City	MILLBRAE
State	CA
Zip	94030-2028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20000
Legal Description	LOT 24 BLOCK 2 MARINO VISTA PARK
Legal Subdivision	MARINO VISTA PARK
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN MATEO CA
Township / Civil Division	SOUTH SAN FRANCISCO
Census Block Group	2
Census Block	2009
Census Tract	604400

Owner

Source: San Mateo County records · APN 021-302-190

Assessment roll updated July 15, 2026 · Last verified July 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 File
Mailing Address	45 SPRUCE ST, MILLBRAE, CA 94030-2028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 13, 2025 · Amount on Record
Deed Sale	Mar 13, 2025 · Amount on Record
Prior Sale	Jul 01, 2014 · Amount on Record
Deed Document Number	202511414
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	0000001017
Record Updated	Sep 20, 2026

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jan 05, 2021
Property Address	45 SPRUCE ST, MILLBRAE, CA 94030-2028
Document Number	0000001017
Map Reference	MB 3 PG 89
Instrument Date	Dec 28, 2020
Instrument	2021-001017
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	WFG NATIONAL TITLE INS CO

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	Joint Tenants
Address	635 BONITA AVE, MILLBRAE, CA 94030-1112

Mortgage

Document Number	0000001018
Date	Jan 05, 2021
Instrument	2021-001018

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company
Address	BURLINGAME, CA 94010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Millbrae City
Elementary School District	Millbrae Elementary School District (KG - 08)
Secondary School District	San Mateo Union High School District (09 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$969,000 (+74.61%) Land $754,800 Building $214,200
2025	$7,850.00 (+5.45%)	$554,952 (+4.04%) Land $277,476 Building $277,476
2023	$7,444.00 (+21.38%)	$533,406 Land $266,703 Building $266,703	$872,640
2022	$6,133.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 83 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	83 in force
Nearby Flood Claims	10 (1982–1983)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Jan 1983 · tidal / storm surge
Claims by Event	Severe Storms, Flood, Mudslides & High Tide, Jan 1982 · 8 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Etheric Communications, LLC. Fixed Wireless	250 / 100

May also be available: Sail Internet Holdings.

Based on FCC filings for 13 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MILLBRAE serves 22,795 people
Water Source	Purchased surface water from SAN FRANCISCO REGIONAL WATER SYSTEM
Last State Inspection	Apr 2025
Lead	Under 1 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	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.