101 Arbor Ln, Moss Beach, CA 94038 Property Records

San Mateo County property record for 101 Arbor Ln, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,970 sqft · built 1975
Lot Size	0.234 acres (10,186 sqft)
Owner	Individual Name on File
Last Sale	$745,000 (Nov 2004)
Tax Bill	$14,850 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Dec 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`037-123-540`

Property Details

APN / Parcel Number

Primary APN	`037-123-540`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,970 sqft Living Area
1st Floor Area	1,970 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,186 sqft (0.234 acres)
Lot Dimensions	103 ft deep x 95 ft wide
View / Lot	Corner
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	101 ARBOR LN
City	MOSS BEACH
State	CA
Zip	94038-9702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100S7
Legal Description	LOT 23 CYPRESS CLIFFS RSM 75/33 34
Legal Subdivision	CYPRESS CLIFFS
Legal Lot Number	23
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2002
Census Tract	613600

Owner

101 Arbor Ln is owned and occupied by an individual who acquired it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	101 ARBOR LN, MOSS BEACH, CA 94038-9702
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Dec 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2004 · Amount on File
Deed Sale	Nov 23, 2004 · Amount on File
Deed Document Number	2004230385
Last Transfer Date	Jul 23, 2019
Transfer Doc	0000059364
Record Updated	Oct 29, 2026

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jul 29, 2019
Property Address	101 ARBOR LN, MOSS BEACH, CA 94038-9702
Document Number	0000059364
Map Reference	MB 75 PG 33&34
Instrument Date	Jul 23, 2019
Instrument	2019-059364
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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
Address	101 ARBOR LN, MOSS BEACH, CA 94038-9702

Mortgage

Document Number	0000059365
Date	Jul 29, 2019
Instrument	2019-059365

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 7, 2018
Property Address	101 ARBOR LN, MOSS BEACH, CA 94038-9702
Document Number	0000095725
Instrument Date	Dec 6, 2018
Instrument	95725
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 ARBOR LN MOSS BEACH CA 940389702, MOSS BEACH, CA 94038-9702

Tax Assessment & Valuation

The 2025 property tax bill for 101 Arbor Ln was $14,850.

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,059,214 (+2%) Land $529,607 Building $529,607
2025	$14,850.00	$1,038,446 Land $519,223 Building $519,223
2023	$13,488.00 (-0.4%)	$998,124 Land $499,062 Building $499,062	$1,752,120
2022	$13,542.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 101 Arbor Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · tidal / storm surge

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

Wildfire risk around 101 Arbor Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio, T-Mobile.

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