523 Cypress Ave, Millbrae, CA 94030 Property Records

San Mateo County property record for 523 Cypress Ave, Millbrae, CA 94030

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,010 sqft · built 1948
Lot Size	0.125 acres (5,444 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Jul 2023)
Tax Bill	$18,781 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`021-124-430`

Property Details

APN / Parcel Number

Primary APN	`021-124-430`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,010 sqft Living Area
1st Floor Area	1,010 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,444 sqft (0.125 acres)
Lot Dimensions	93 ft deep x 66 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	523 CYPRESS AVE
City	MILLBRAE
State	CA
Zip	94030-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 10 BLOCK 4 LOMITA HILLS RSM 24/58 59
Legal Subdivision	LOMITA HILLS
Legal Block	4
Legal Lot Number	10
Jurisdiction	SAN MATEO CA
Township / Civil Division	SOUTH SAN FRANCISCO
Census Block Group	2
Census Block	2002
Census Tract	604500

Owner

Source: San Mateo County records, as of August 17, 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	523 CYPRESS AVE, MILLBRAE, CA 94030-1208
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2023 · Amount on Record
Deed Sale	Jul 19, 2023 · Amount on Record
Deed Document Number	202334475
Prior Transfer Date	Sep 27, 1993
Prior Transfer Doc	0000169057
Record Updated	Sep 20, 2026

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 19, 2023
Property Address	523 CYPRESS AVE, MILLBRAE, CA 94030-1208
Document Number	0000034475
Map Reference	MB 24 PG 57-59
Instrument Date	Jul 7, 2023
Instrument	2023-034475
Transaction Type	Transfer
Record Updated	Aug 15, 2023
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	523 CYPRESS AVE, MILLBRAE, CA 94030-1208

Mortgage

Document Number	0000034476
Date	Jul 19, 2023
Instrument	2023-034476

Lender

Name	STANFORD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Aug 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.3%
Margin	3
Max Rate	11.3%

Mortgage

Document Number	0000034477
Date	Jul 19, 2023
Instrument	2023-034477

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 21, 2028

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	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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,508,580 (+2%) Land $1,206,864 Building $301,716
2025	$18,781.00 (+488.38%) Homeowner's exemption	$1,479,000 (+748.65%) Land $1,183,200 Building $295,800
2023	$3,192.00 (+56.09%) Homeowner's exemption	$174,277 Land $44,390 Building $129,887	$1,262,700
2022	$2,045.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CITY OF MILLBRAE serves 22,795 people · EPA ID CA4110018
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, 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 723 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Sail Internet, Verizon.

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