643 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 643 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,470 sqft · built 1945
Lot Size	0.126 acres (5,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,930,000 (Aug 2025)
Tax Bill	$31,003 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`039-273-130`

Property Details

APN / Parcel Number

Primary APN	`039-273-130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,470 sqft Living Area
1st Floor Area	1,020 sqft
2nd Floor Area	1,450 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,485 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	643 28TH AVE
City	SAN MATEO
State	CA
Zip	94403-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 4 BLOCK 6 TERRACE GARDENS RSM 23/71 CITY OF SAN MATEO
Legal Subdivision	TERRACE GARDENS
Legal Block	6
Legal Lot Number	4
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1002
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	643 28TH AVE, SAN MATEO, CA 94403-2606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLSFARGOBANKNA
Jul 27, 2017	Deed of Trust, Mortgage · ARM LUTHER BURBANK SAVINGS
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 22, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2025 · Amount on Record
Deed Sale	Aug 21, 2025 · Amount on Record
Prior Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	202543265
Prior Transfer Date	May 17, 1994
Prior Transfer Doc	0000092282
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	Apr 14, 2026
Property Address	643 28TH AVE, SAN MATEO, CA 94403-2606
Document Number	0000019271
Instrument Date	Apr 6, 2026
Instrument	202619271
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	643 28TH AVE, SAN MATEO, CA 94403-2606

Mortgage

Document Number	0000019271,
Date	Apr 14, 2026
Instrument	202619271

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 28TH AVE, SAN MATEO, CA 94403-2606
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064660
Date	Jul 27, 2017
Instrument	2017-064660

Lender

Name	LUTHER BURBANK SAVINGS
Type	Lending Institution
Address	SANTA ROSA, CA 95401

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2020
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 28TH AVE, SAN MATEO, CA 94403-2606
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051900
Date	Jun 5, 2020
Instrument	2020-051900

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 28TH AVE, SAN MATEO, CA 94403-2606
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056039
Date	Jun 16, 2020
Instrument	2020-056039

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 28TH AVE, SAN MATEO, CA 94403-2606
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 28TH AVE, SAN MATEO, CA 94403-2606

Mortgage

Document Number	0000021050
Date	Feb 9, 2021
Instrument	2021-021050

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Mar 1, 2028
Change Frequency	Monthly
Min Rate At Change	2.75%
Max Rate At Change	4.25%
Index	Other
Max Rate	7.25%

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 22, 2017
Property Address	643 28TH AVE, SAN MATEO, CA 94403-2606
Document Number	0000082933
Map Reference	MAP23 PG71
Instrument Date	Sep 18, 2017
Instrument	2017-082933
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	NORTH AMER TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	643 28TH AVE, SAN MATEO, CA 94403-2606

Mortgage

Document Number	0000082934
Date	Sep 22, 2017
Instrument	2017-082934

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 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		$2,930,000 (+17.05%) Land $1,530,000 Building $1,400,000
2025	$31,003.00 (+3.31%) Homeowner's exemption	$2,503,220 (+4.04%) Land $1,820,524 Building $682,696
2024	$30,009.00 (+2.3%)
2023	$29,334.00 (+1.92%) Homeowner's exemption	$2,406,019 Land $1,749,832 Building $656,187	$2,603,430
2022	$28,782.00

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 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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