540 31st Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 540 31st Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1948
Lot Size	0.128 acres (5,563 sqft)
Owner	Individual Name on File
Last Sale	$1,550,000 (Jan 2021)
Tax Bill	$20,752 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-303-300`

Property Details

APN / Parcel Number

Primary APN	`039-303-300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Family Room	Family Room

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	5,563 sqft (0.128 acres)
Lot Dimensions	111 ft deep x 50 ft wide
Garage Area	310 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	540 31ST AVE
City	SAN MATEO
State	CA
Zip	94403-3813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 19 BLOCK 18 SAN MATEO TERRACE MAP NO 5 RSM 22/35 CITY OFSAN MATEO
Legal Subdivision	SAN MATEO TERRACE MAP NO 5
Legal Block	18
Legal Lot Number	19
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	3
Census Block	3001
Census Tract	607300

Owner

540 31st Ave is owned and occupied by an individual who bought it in January 2021.

Source: San Mateo County records, as of July 15, 2026

Owner of Record	Individual Name on File
Mailing Address	540 31ST AVE, SAN MATEO, CA 94403-3813
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 27, 2019	Grant Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Prior Sale	Aug 27, 2019 · Amount on File
Deed Document Number	2021564
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 5, 2021
Property Address	540 31ST AVE, SAN MATEO, CA 94403-3813
Document Number	0000000564
Map Reference	MB 22 PG 35
Instrument Date	Dec 21, 2020
Instrument	2021-000564
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,455.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 31ST AVE, SAN MATEO, CA 94403-3813

Mortgage

Document Number	0000000565
Date	Jan 5, 2021
Instrument	2021-000565

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Feb 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	7.25%

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 27, 2019
Property Address	540 31ST AVE, SAN MATEO, CA 94403-3813
Document Number	0000068775
Instrument Date	Aug 20, 2019
Instrument	68775
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,430.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	540 31ST AVE SAN MATEO CA 944033813, SAN MATEO, CA 94403-3813

Mortgage

Document Number	68776
Date	Aug 27, 2019
Instrument	68776

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 540 31st Ave was $20,752.

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		$1,711,324 (+2%) Land $1,297,294 Building $414,030
2025	$20,752.00	$1,677,769 Land $1,271,857 Building $405,912
2023	$19,933.00 (+0.29%)	$1,612,620 Land $1,222,470 Building $390,150	$1,349,730
2022	$19,876.00

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

Flood

FEMA maps place 540 31st Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2009.

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 (2009–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides

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

The area around 540 31st 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.

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 732 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 · Fiber in parts of the area	1,500 / 50

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

Nearby Properties on 31st Ave

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