San Mateo County property record for 48 Spencer Ln, Atherton, CA 94027
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 5.5 ba · 4,180 sqft · built 1930 |
| Lot Size | 0.916 acres (39,896 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $5,200,000 (Feb 2012) |
| Tax Bill | $76,430 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-230-120 |
| Primary APN | 070-230-120 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 4,180 sqft Living Area |
| Gross Area | 4,640 sqft |
| 1st Floor Area | 3,300 sqft |
| 2nd Floor Area | 880 sqft |
| Basement Area | 460 sqft |
| Family Room | Family Room |
| Study | Study |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 39,896 sqft (0.916 acres) |
| Lot Dimensions | 272 ft deep x 146 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 48 SPENCER LN |
|---|---|
| City | ATHERTON |
| State | CA |
| Zip | 94027-4038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1001A |
| Legal Description | LOT 2 1.00 AC ARDEN WOOD AMEND MAP RSM 13/74 TOWN OF ATHERTON |
| Legal Subdivision | ARDEN WOOD AMEND MAP |
| Legal Lot Number | 2 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 611400 |
48 Spencer Ln is held in a trust since February 2012.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 48 SPENCER LN, ATHERTON, CA 94027-4038 |
| 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.
| Date | Document |
|---|---|
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2012 · Amount on File |
| Deed Sale | Feb 6, 2012 · Amount on File |
| Deed Document Number | 201215861 |
| Prior Transfer Date | Oct 4, 2011 |
| Prior Transfer Doc | 0000130699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 48 SPENCER LN, ATHERTON, CA 94027-4038 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000090726 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 2019-090726 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | WESTMONT, IL 60559 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Nov 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 48 SPENCER LN, ATHERTON, CA 94027-4038 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | OLD REPUBLIC NATL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000043057 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 2020-043057 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | WESTMONT, IL 60559 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
The 2025 property tax bill for 48 Spencer Ln was $76,430.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| Municipality | Atherton Town |
| County | San Mateo County |
| Elementary School District | Menlo Park City Elementary School District (KG - 08) |
| Secondary School District | Sequoia Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,860,582 (+2%) Land $6,598,064 Building $262,518 | ||
| 2025 | $76,430.00 | $6,726,064 Land $6,468,691 Building $257,373 | |
| 2023 | $72,910.00 (+3.48%) | $6,464,885 Land $6,217,504 Building $247,381 | $5,469,120 |
| 2022 | $70,457.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Spencer Ln in Zone X, an area of minimal flood risk, though there have been 2 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 | 2 (1998) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
| Claims by Event |
|
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 risk around 48 Spencer Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALIFORNIA WATER SERVICE - BEAR GULCH private · serves 60,382 people · EPA ID CA4110006 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 4 ppb (2022–2024) 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 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Race Communications Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Etheric Networks, GeoLinks, T-Mobile.
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