San Mateo County property record for 629 28th Ave, San Mateo, CA 94403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,020 sqft · built 1945 |
| Lot Size | 0.126 acres (5,485 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $475,000 (Feb 2000) |
| Tax Bill | $11,513 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-281-030 |
| Primary APN | 039-281-030 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,020 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Family Room | Family Room |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Lot Area | 5,485 sqft (0.126 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 629 28TH AVE |
|---|---|
| City | SAN MATEO |
| State | CA |
| Zip | 94403-2606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R106 |
| Legal Description | LOT 7 BLOCK 6 TERRACE GARDENS RSM 23/71 CITY OF SAN MATEO |
| Legal Subdivision | TERRACE GARDENS |
| Legal Block | 6 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 607300 |
629 28th Ave is owner-occupied and held in a trust since August 2013.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 629 28TH AVE, SAN MATEO, CA 94403-2606 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jan 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2000 · Amount on File |
| Deed Sale | Feb 15, 2000 · Amount on File |
| Deed Document Number | 200018772 |
| Last Transfer Date | Aug 19, 2013 |
| Transfer Doc | 0000134234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 629 28TH AVE, SAN MATEO, CA 94403-2606 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000566 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 2020-000566 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 629 28TH AVE, SAN MATEO, CA 94403-2606 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 629 28TH AVE, SAN MATEO, CA 94403-2606 |
| Document Number | 0000031804 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021-031804 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 629 28th Ave was $11,513 with a homeowner's exemption.
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 | $744,648 (+2%) Land $372,324 Building $372,324 | ||
| 2025 | $11,513.00 Homeowner's exemption | $730,048 Land $365,024 Building $365,024 | |
| 2023 | $10,350.00 (+6.71%) Homeowner's exemption | $701,700 Land $350,850 Building $350,850 | $1,226,250 |
| 2022 | $9,699.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 629 28th Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1983.
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 risk around 629 28th Ave is low, with less than 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 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.
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 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.
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