643 Pepper Dr, San Bruno, CA 94066 Property Records

San Mateo County property record for 643 Pepper Dr, San Bruno, CA 94066

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,100 sqft · built 1953
Lot Size	0.115 acres (5,005 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,126 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`020-042-090`

Property Details

APN / Parcel Number

Primary APN	`020-042-090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,100 sqft Living Area
Gross Area	1,630 sqft
1st Floor Area	1,100 sqft
Basement Area	530 sqft
Family Room	Family Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	5,005 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	530 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	643 PEPPER DR
City	SAN BRUNO
State	CA
Zip	94066-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 10 BLOCK 37 MILLS PARK MAP NO 5 RSM 33/17 CITY OF SAN BRUNO
Legal Subdivision	MILLS PARK MAP NO 5
Legal Block	37
Legal Lot Number	10
Jurisdiction	SAN MATEO CA
Township / Civil Division	SOUTH SAN FRANCISCO
Census Block Group	3
Census Block	3002
Census Tract	604000

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 Company Names on Record
Mailing Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN MATEO CU
Oct 17, 2022	Intrafamily Transfer, Transfer
Oct 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage NORTH COAST FINANCIAL INC
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 11, 2022
Transfer Doc	0000073718
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933
Transaction Type	Mortgage
Record Updated	Apr 12, 2023
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933

Mortgage

Document Number	0000011302
Date	Mar 15, 2023
Instrument	2023-011302

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2038

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Oct 17, 2022
Property Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933
Document Number	0000073718
Map Reference	MB 33 PG 17
Instrument Date	Oct 11, 2022
Instrument	2022-073718
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077550
Date	Oct 5, 2018
Instrument	2018-077550

Lender

Name	NORTH COAST FINANCIAL INC
Type	Lending Institution
Address	CARLSBAD, CA 92018

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 PEPPER DR, SAN BRUNO, CA 94066-2933

Mortgage

Document Number	0000123281
Date	Nov 5, 2020
Instrument	2020-123281

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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 Bruno City
Elementary School District	San Bruno Park 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		$109,975 (+2%) Land $32,482 Building $77,493
2025	$2,126.00 (+74.41%)	$107,820 (+4.04%) Land $31,846 Building $75,974
2023	$1,219.00 (+1.16%)	$103,635 Land $30,610 Building $73,025	$1,299,420
2022	$1,205.00

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	1 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 SAN BRUNO serves 42,631 people · EPA ID CA4110023
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
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	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 575 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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