849 28th Ave, San Mateo, CA 94403 Property Records

San Mateo County property record for 849 28th Ave, San Mateo, CA 94403

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,560 sqft · built 1957
Lot Size	0.337 acres (14,660 sqft)
Owner	2 Company Names on Record
Last Sale	$2,466,000 (Sep 2022)
Tax Bill	$30,332 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2022 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-192-220`

Property Details

APN / Parcel Number

Primary APN	`039-192-220`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	3,050 sqft
1st Floor Area	1,770 sqft
Basement Area	1,280 sqft
Finished Basement	790 sqft
Unfinished Basement	490 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	14,660 sqft (0.337 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Basement
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	849 28TH AVE
City	SAN MATEO
State	CA
Zip	94403-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 5 BLOCK 7 HILLSDALE UNIT NO 8 RSM 43/6 10 CITY OF SAN MATEO
Legal Subdivision	HILLSDALE UNIT NO 8
Legal Block	7
Legal Lot Number	5
Jurisdiction	SAN MATEO CA
Township / Civil Division	SAN MATEO
Census Block Group	1
Census Block	1009
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 Company Names on Record
Mailing Address	849 28TH AVE, SAN MATEO, CA 94403-3101
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 15, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 20, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE WILLIAM J PIEDEMONTE AND DIANE L PIE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on Record
Deed Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	202267921
Prior Transfer Date	Dec 29, 2021
Prior Transfer Doc	0000013662
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 19, 2022
Property Address	849 28TH AVE, SAN MATEO, CA 94403-3101
Document Number	0000067921
Map Reference	MB 43 PG 6-10
Instrument Date	Sep 14, 2022
Instrument	2022-067921
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,042.60
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	849 28TH AVE, SAN MATEO, CA 94403-3101

Mortgage

Document Number	0000067922
Date	Sep 19, 2022
Instrument	2022-067922

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Oct 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 15, 2022
Property Address	849 28TH AVE, SAN MATEO, CA 94403-3101
Document Number	0000013662
Map Reference	MB 43 PG 6-10
Instrument Date	Dec 29, 2021
Instrument	2022-013662
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

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	Family Trust
Address	849 28TH AVE, SAN MATEO, CA 94403-3101

Mortgage

Document Number	0000013663
Date	Feb 15, 2022
Instrument	2022-013663

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	655 Months
Due	Sep 11, 2076

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	849 28TH AVE, SAN MATEO, CA 94403-3101
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 N BRITTON AVE 3, 3, SUNNYVALE, CA 94085-3823

Mortgage

Document Number	0000109381
Date	Jul 23, 2021
Instrument	2021-109381

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	849 28TH AVE, SAN MATEO, CA 94403-3101
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2075 PIONEER CT, SAN MATEO, CA 94403-1719

Mortgage

Document Number	0000107914
Date	Jul 20, 2021
Instrument	2021-107914

Lender

Name	THE WILLIAM J PIEDEMONTE AND DIANE L PIE
Type	Private Party

Agreement

Type	Commercial Mortgage
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		$2,616,819 (+2%) Land $1,873,032 Building $743,787
2025	$30,332.00 (+3.82%)	$2,565,509 (+4.04%) Land $1,836,306 Building $729,203
2023	$29,216.00 (+536.79%)	$2,465,888 Land $1,765,000 Building $700,888	$2,142,810
2022	$4,588.00

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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