704 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 704 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,122 sqft · built 1946
Lot Size	0.168 acres (7,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,675,000 (Oct 2024)
Tax Bill	$32,254 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-254-160`

Property Details

APN / Parcel Number

Primary APN	`039-254-160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,122 sqft Living Area
1st Floor Area	1,180 sqft
Family Room	Family Room

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Lot Area	7,336 sqft (0.168 acres)
Lot Dimensions	147 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	704 28TH AVE
City	SAN MATEO
State	CA
Zip	94403-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 18 BLOCK 3 MASON TRACT NO 2 RSM 23/58 CITY OF SAN MATEO
Legal Subdivision	MASON TRACT NO 2
Legal Tract	2
Legal Block	3
Legal Lot Number	18
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	2
Census Block	2020
Census Tract	606700

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	704 28TH AVE, SAN MATEO, CA 94403-2608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 2, 2019	Grant Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2024 · Amount on Record
Deed Sale	Oct 18, 2024 · Amount on Record
Prior Sale	Dec 2, 2019 · Amount on Record
Deed Document Number	202455048
Prior Transfer Date	Jul 10, 1997
Prior Transfer Doc	0000085374
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	704 28TH AVE, SAN MATEO, CA 94403-2608
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 28TH AVE, SAN MATEO, CA 94403-2608

Mortgage

Document Number	0000046296
Date	Sep 22, 2023
Instrument	2023-046296

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 28, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 2, 2019
Property Address	704 28TH AVE, SAN MATEO, CA 94403-2608
Document Number	0000101596
Map Reference	MB 23 PG 58
Instrument Date	Nov 18, 2019
Instrument	2019-101596
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,365.50
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	704 28TH AVE, SAN MATEO, CA 94403-2608

Mortgage

Document Number	0000101597
Date	Dec 2, 2019
Instrument	2019-101597

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

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		$2,728,500 (+2%) Land $1,670,760 Building $1,057,740
2025	$32,254.00 (+7.53%) Homeowner's exemption	$2,675,000 (+8.06%) Land $1,638,000 Building $1,037,000
2023	$29,994.00 (-0.03%)	$2,475,523 Land $1,419,090 Building $1,056,433	$2,430,810
2022	$30,004.00

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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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