545 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 545 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1951
Lot Size	0.137 acres (5,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,675,000 (Oct 2019)
Tax Bill	$22,478 (2025)
Deeds & Mortgages	Dec 2019 Transfer Oct 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`039-283-050`

Property Details

APN / Parcel Number

Primary APN	`039-283-050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area
1st Floor Area	1,540 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,984 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	545 28TH AVE
City	SAN MATEO
State	CA
Zip	94403-2601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R106
Legal Description	LOT 4 BLOCK 1 COTTRELL SUB RSM 25/73 CITY OF SAN MATEO
Legal Subdivision	COTTRELL SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1000
Census Tract	607300

Owner

Source: San Mateo County records, as of July 15, 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	545 28TH AVE, SAN MATEO, CA 94403-2601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2019	Correction Deed CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Oct 7, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 8, 2017	Quit Claim Deed, Transfer Quitclaim
Oct 20, 2017	Quit Claim Deed, Transfer Quitclaim
Jul 31, 2017	Quit Claim Deed, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on Record
Deed Sale	Oct 7, 2019 · Amount on Record
Prior Sale	Jul 15, 2008 · Amount on Record
Deed Document Number	201982950
Last Transfer Date	Nov 12, 2019
Transfer Doc	0000104138
Record Updated	Oct 29, 2026

December 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 9, 2019
Property Address	545 28TH AVE, SAN MATEO, CA 94403-2601
Document Number	0000104138
Instrument Date	Nov 12, 2019
Instrument	104138
Record Updated	Dec 27, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	545 28TH AVE SAN MATEO CA 944032601, SAN MATEO, CA 94403-2601

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 7, 2019
Property Address	545 28TH AVE, SAN MATEO, CA 94403-2601
Document Number	0000082950
Map Reference	MB 25 PG 73
Instrument Date	Oct 1, 2019
Instrument	2019-082950
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,217.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	545 28TH AVE, SAN MATEO, CA 94403-2601

Mortgage

Document Number	0000082951
Date	Oct 7, 2019
Instrument	2019-082951

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.5%
Index	1-Year LIBOR
Max Rate	7.5%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 8, 2017
Property Address	545 28TH AVE, SAN MATEO, CA 94403-2601
Document Number	0000110278
Instrument Date	Oct 11, 2017
Instrument	110278
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	545 28TH AVE SAN MATEO CA 944032601, SAN MATEO, CA 94403-2601

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 20, 2017
Property Address	545 28TH AVE, SAN MATEO, CA 94403-2601
Document Number	0000092470
Instrument Date	Oct 11, 2017
Instrument	92470
Transaction Type	Transfer
Record Updated	Mar 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	545 28TH AVE SAN MATEO CA 944032601, SAN MATEO, CA 94403-2601

July 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 31, 2017
Property Address	545 28TH AVE, SAN MATEO, CA 94403-2601
Document Number	0000065909
Instrument Date	Jul 24, 2017
Instrument	65909
Transaction Type	Mortgage
Record Updated	Jan 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	545 28TH AVE SAN MATEO CA 944032601, SAN MATEO, CA 94403-2601

Mortgage

Document Number	65910
Date	Jul 31, 2017
Instrument	65910

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

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	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		$1,868,489 (+2%) Land $1,338,620 Building $529,869
2025	$22,478.00 (+3.49%)	$1,831,853 (+4.04%) Land $1,312,373 Building $519,480
2023	$21,721.00 (+1.57%)	$1,760,722 Land $1,261,413 Building $499,309	$2,112,480
2022	$21,385.00

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1983–2016)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Mar 2016 · other causes

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	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 799 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

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

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