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433 El Centro Rd, Hillsborough, CA, 94010

5beds
7baths
4,700sqft
$11,500,000
$2,447price/sqft
$71,986/moest. monthly cost
$2,879,440/yrincome needed

About This Home

Welcome to 433 El Centro, a newly remodeled luxury estate in Hillsborough. Situated on 0.41 acres, this exceptional property offers refined living designed for entertaining and everyday comfort. The home features 5 bedrooms (including the ADU), 5 full baths, 2 half baths, and a bonus room/den. The gourmet chef's kitchen boasts premium paneled appliances, a wine cooler, and opens to a spacious family room. Additional highlights include built-in speakers, a custom wet bar, dedicated media room, temperature-controlled wine cellar, and laundry rooms on both levels. The luxurious primary suite offers a private office, walk-in closet, and spa-inspired bath with heated floors, towel racks, soaking tub, and dual showers. All secondary bedrooms feature en-suite baths for added comfort and privacy. Designed for seamless indoor-outdoor living, the grounds showcase a pool, spa, fire pit, expansive lawn, outdoor TV, and covered BBQ pavilion with prep space, refrigerator, and ample seating. Conveniently located near top-rated Hillsborough schools, parks, Downtown Burlingame, and transportation, this turnkey estate presents a rare opportunity in one of the Peninsula's most sought-after communities.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

9/10
8/10
Crocker Middle SchoolGrades 6-80.6 mi
9/10
San Mateo High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1964

Materials

  • Foundation: Concrete Perimeter,Raised
  • Roof: Shingle

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 7
  • Full bathrooms: 5
  • 1/2 bathrooms: 2

Dining Room

  • Features: FormalDiningRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • High Ceilings,One Or More Skylights,Wet Bar,Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Starter,Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 4,700
  • Total interior livable area: 4,700 sqft

Property

Details

  • Parcel number: 031012150
  • Zoning: R10025
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 2
  • Parking features: Detached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Landslide

FEMA Declared Disasters in San Mateo County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $58,150$697,800
Home Insurance *$969$11,628
Property Taxes $11,860$142,320
Electricity $1,007$12,094
Total$71,986$863,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$2,468,091/yr
40% on housing$2,159,580/yr
45% on housing$1,919,626/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$2,447This listing

vs Other Active Listings

Avg $/sqft

ZIP 94010$1,331
San Mateo County$913

vs Homes Sold Last Month

Median $/sqft

ZIP 94010$1,501
San Mateo County$1,106

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-13Listed for sale$11,500,000
2025-04-05Listing removed$21,000
2025-03-24Listed for rent$21,000
2023-10-16Listing removed--
2023-09-25Price change$19,000
2023-07-24Price change$21,000
2023-06-29Listed for rent$23,000
2015-03-02Sold$4,135,000
2015-02-12Pending sale$3,999,000
2015-02-06Listed for sale$3,999,000
2008-03-25Sold$3,210,000
2007-08-24Sold$2,804,000
2007-05-16Listed for sale$2,799,000

For Sale by Agent

AgentPhil Chen
BrokerageChristie's International Real Estate Sereno

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