San Mateo County property record for 48 W 40th Ave, San Mateo, CA 94403
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,978 sqft · built 1942 |
| Lot Size | 0.116 acres (5,044 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,006,000 (Dec 2016) |
| Tax Bill | $22,337 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-164-090 |
| Primary APN | 042-164-090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,978 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Family Room | Family Room |
| Study | Study |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 5,044 sqft (0.116 acres) |
| Lot Dimensions | 97 ft deep x 52 ft wide |
| Garage Area | 275 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 48 W 40TH AVE |
|---|---|
| City | SAN MATEO |
| State | CA |
| Zip | 94403-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 9 BLOCK 4 LAUREL PARK UNIT NO 2 RSM 23/57 CITY OF SAN MATEO |
| Legal Subdivision | LAUREL PARK UNIT NO 2 |
| Legal Block | 4 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 607200 |
48 W 40th Ave is owned and occupied by two individuals who bought it in December 2016.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 W 40TH AVE, SAN MATEO, CA 94403-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · Line of Credit CATHAY BANK |
| Apr 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2016 · Amount on File |
| Deed Sale | Dec 6, 2016 · Amount on File |
| Prior Sale | Jun 22, 2016 · Amount on File |
| Deed Document Number | 2016129198 |
| Prior Transfer Date | Sep 22, 1995 |
| Prior Transfer Doc | 0000101779 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | May 11, 2026 |
| Property Address | 48 W 40TH AVE, SAN MATEO, CA 94403-4515 |
| Document Number | 0000026709 |
| Instrument Date | May 4, 2026 |
| Instrument | 202626709 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 48 W 40TH AVE, SAN MATEO, CA 94403-4515 |
| Document Number | 0000026709, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 202626709 |
| Name | CATHAY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 4, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 48 W 40TH AVE, SAN MATEO, CA 94403-4515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000029170 |
|---|---|
| Date | Apr 23, 2019 |
| Instrument | 2019-029170 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 48 W 40th Ave was $22,337.
Source: San Mateo County assessment roll, as of July 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,796,478 (+2%) Land $1,023,982 Building $772,496 | ||
| 2025 | $22,337.00 | $1,761,255 Land $1,003,904 Building $757,351 | |
| 2023 | $21,944.00 (+2.44%) | $1,692,868 Land $964,922 Building $727,946 | $1,975,680 |
| 2022 | $21,421.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 W 40th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.
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 Claims | 1 (1986) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1986 · Severe Storms & Flooding |
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.
The area around 48 W 40th 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.
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 |
| 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 785 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
May also be available: GeoLinks, T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures