1020 Etheldore St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 1020 Etheldore St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,850 sqft · built 1984
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,899,000 (Oct 2021)
Tax Bill	$23,202 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-185-320`

Property Details

APN / Parcel Number

Primary APN	`037-185-320`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,850 sqft Living Area
1st Floor Area	1,550 sqft
2nd Floor Area	1,050 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1020 ETHELDORE ST
City	MOSS BEACH
State	CA
Zip	94038-9696
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOTS 26 27 & 28 BLK 10 MARINE VIEW TERRACE RESUB RSM 5/39
Legal Subdivision	MARINE VIEW TERRACE RESUB
Legal Block	10
Legal Lot Number	26
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1034
Census Tract	613600

Owner

1020 Etheldore St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1020 ETHELDORE ST, MOSS BEACH, CA 94038-9696
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on File
Deed Sale	Oct 21, 2021 · Amount on File
Prior Sale	Dec 14, 2010 · Amount on File
Deed Document Number	2021148562
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 21, 2021
Property Address	1020 ETHELDORE ST, MOSS BEACH, CA 94038-9696
Document Number	0000148562
Map Reference	MB 5 PG 39
Instrument Date	Oct 1, 2021
Instrument	2021-148562
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,088.90
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1020 ETHELDORE ST, MOSS BEACH, CA 94038-9696

Mortgage

Document Number	0000148563
Date	Oct 21, 2021
Instrument	2021-148563

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1020 Etheldore St was $23,202, up 5.2% from the year before.

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		$1,727,559 (+2%) Land $666,777 Building $1,060,782
2025	$23,202.00 (+5.2%)	$1,693,686 Land $653,703 Building $1,039,983
2024	$22,055.00 (+5.26%)
2023	$20,953.00 (+2.06%)	$1,627,920 Land $628,320 Building $999,600	$1,485,720
2022	$20,530.00

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

Flood

FEMA maps place 1020 Etheldore St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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	5 in force
Nearby Flood Claims	2 (1986–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1996 · Severe Storms, Flooding, Mud And Landslides

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 1020 Etheldore St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 329 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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