San Mateo County property record for 98 Cebalo Ln, Atherton, CA 94027
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,010 sqft · built 1958 |
| Lot Size | 0.36 acres (15,681 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,310,000 (Nov 2017) |
| Tax Bill | $30,012 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-172-230 |
| Primary APN | 059-172-230 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,010 sqft Living Area |
| 1st Floor Area | 2,010 sqft |
| Family Room | Family Room |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Lot Area | 15,681 sqft (0.36 acres) |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 98 CEBALO LN |
|---|---|
| City | ATHERTON |
| State | CA |
| Zip | 94027-3917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1001A |
| Legal Description | LOT 2 LESS 6 IN NON ACCESS STRIP CEBALO ACRES 45/11 TOWN OF ATHERTON |
| Legal Subdivision | CEBALO ACRES |
| Legal Lot Number | 2 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | SAN MATEO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 611400 |
98 Cebalo Ln is owned and occupied by two individuals who bought it in November 2017.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 3, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC |
| Mar 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage EAST WEST BANK |
| Nov 15, 2017 | Grant Deed, Transfer · ARM EAST WEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2017 · Amount on File |
| Deed Sale | Nov 15, 2017 · Amount on File |
| Deed Document Number | 2017101462 |
| Prior Transfer Date | May 11, 1996 |
| Prior Transfer Doc | 0000059164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Document Number | 0000045460 |
|---|---|
| Date | Sep 3, 2025 |
| Instrument | 2025-045460 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Document Number | 0000012784 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 2023-012784 |
| Name | EAST WEST BANK |
|---|---|
| Type | Bank |
| Address | EL MONTE, CA 91731 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Apr 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 12.2% |
| Index | 1-Year T-Bill |
| Max Rate | 8.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Nov 15, 2017 |
| Property Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Document Number | 0000101462 |
| Map Reference | MAP45 PG11 |
| Instrument Date | Oct 31, 2017 |
| Instrument | 2017-101462 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LAWYERS TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 98 CEBALO LN, ATHERTON, CA 94027-3917 |
| Document Number | 0000101464 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 2017-101464 |
| Name | EAST WEST BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
The 2025 property tax bill for 98 Cebalo Ln was $30,012.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| Municipality | Atherton Town |
| County | San Mateo County |
| Elementary School District | Redwood City Elementary School District (KG - 08) |
| Secondary School District | Sequoia Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,680,947 (+2%) Land $2,437,227 Building $243,720 | ||
| 2025 | $30,012.00 | $2,628,381 Land $2,389,439 Building $238,942 | |
| 2023 | $29,176.00 (+4.91%) | $2,526,319 Land $2,296,655 Building $229,664 | $4,981,950 |
| 2022 | $27,810.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Cebalo Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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 | 7 in force |
| Nearby Flood Claims | 8 (1979–2019) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jan 2019 · 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.
The area around 98 Cebalo Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALIFORNIA WATER SERVICE - BEAR GULCH private · serves 60,382 people · EPA ID CA4110006 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 487 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Etheric Networks Fixed Wireless | 250 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, GeoLinks, Race Communications, Sonic Telecom.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures