656 Harrow Ave, San Mateo, CA 94402 Property Records

San Mateo County property record for 656 Harrow Ave, San Mateo, CA 94402

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,190 sqft · built 1947
Lot Size	0.105 acres (4,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,328,000 (Dec 2020)
Tax Bill	$17,643 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`035-055-040`

Property Details

APN / Parcel Number

Primary APN	`035-055-040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
1st Floor Area	1,190 sqft
Family Room	Family Room

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	4,587 sqft (0.105 acres)
Lot Dimensions	90 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	656 HARROW AVE
City	SAN MATEO
State	CA
Zip	94402-1957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 4 BLOCK 19 SUNNYBRAE MAP NO 3 RSM 26/11 12 13 CITY OF SAN MATEO
Legal Subdivision	SUNNYBRAE MAP NO 3
Legal Block	19
Legal Lot Number	4
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	4
Census Block	4006
Census Tract	607600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	656 HARROW AVE, SAN MATEO, CA 94402-1957
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 2, 2020	Grant Deed, Transfer PIVOTAL CAP GROUP II

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	2020154134
Prior Transfer Date	Apr 18, 2016
Prior Transfer Doc	0000036609
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 30, 2020
Property Address	656 HARROW AVE, SAN MATEO, CA 94402-1957
Document Number	0000154134
Map Reference	MB 26 PG 11-13
Instrument Date	Dec 28, 2020
Instrument	2020-154134
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,100.80
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	656 HARROW AVE, SAN MATEO, CA 94402-1957

Mortgage

Document Number	0000154135
Date	Dec 30, 2020
Instrument	2020-154135

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 2, 2020
Property Address	656 HARROW AVE, SAN MATEO, CA 94402-1957
Document Number	0000062668
Instrument Date	Jun 29, 2020
Instrument	62668
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	155 SHARENE LN #301 WALNUT CREEK CA 945964735, 301, WALNUT CREEK, CA 94596-4735

Mortgage

Document Number	62669
Date	Jul 2, 2020
Instrument	62669

Lender

Name	PIVOTAL CAP GROUP II
Type	Funding / Finance Company
Address	LADERA RANCH, CA 92694

Agreement

Amount	Amount Recorded

Mortgage

Document Number	62671,
Date	Jul 2, 2020
Instrument	62671

Lender

Name	OPPORTUNITY HOME BUYERS LLC
Address	119 S ALAMEDA LN # 4, SAN CLEMENTE, CA 92672-5308

Agreement

Amount	Amount Recorded

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		$1,466,215 (+2%) Land $993,671 Building $472,544
2025	$17,643.00 (+3.52%) Homeowner's exemption	$1,437,467 (+4.04%) Land $974,188 Building $463,279
2023	$17,043.00 (+1.46%) Homeowner's exemption	$1,381,651 Land $936,360 Building $445,291	$1,166,670
2022	$16,797.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2010–2022)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, 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

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 797 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
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Sonic Telecom, Unwired, Verizon.

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