1031 Oak Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 1031 Oak Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1986
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,250,000 (Aug 2026)
Tax Bill	$6,600 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jun 2023 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`037-181-180`

Property Details

APN / Parcel Number

Primary APN	`037-181-180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
1st Floor Area	1,470 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1031 OAK AVE
City	MOSS BEACH
State	CA
Zip	94038-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 18 19 BLOCK 14 MARINE VIEW TERRACE RESUB RSM 5/39
Legal Subdivision	MARINE VIEW TERRACE RESUB
Legal Block	14
Legal Lot Number	18
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2011
Census Tract	613600

Owner

1031 Oak Ave is owned and occupied by two individuals who bought it in August 2026.

Source: San Mateo County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1031 OAK AVE, MOSS BEACH, CA 94038-9677
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Aug 4, 2026	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
Jun 22, 2023	Intrafamily Transfer, Transfer
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2026 · Amount on File
Deed Sale	Aug 4, 2026 · Amount on File
Deed Document Number	202644176
Prior Transfer Date	Aug 13, 1999
Prior Transfer Doc	0000145220
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 4, 2026
Property Address	1031 OAK AVE, MOSS BEACH, CA 94038-9677
Document Number	0000044176
Instrument Date	Jul 30, 2026
Instrument	202644176
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NATIONAL TITLE INSURANCE C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 OAK AVE, MOSS BEACH, CA 94038-9677

Mortgage

Document Number	0000044177,
Date	Aug 4, 2026
Instrument	202644177

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jun 22, 2023
Property Address	1031 OAK AVE, MOSS BEACH, CA 94038-9677
Document Number	0000029827
Map Reference	MB 5 PG 39
Instrument Date	Mar 18, 2021
Instrument	2023-029827
Transaction Type	Transfer
Record Updated	Jul 21, 2023

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	1031 OAK AVE, MOSS BEACH, CA 94038-9677

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1031 OAK AVE, MOSS BEACH, CA 94038-9677
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1031 OAK AVE, MOSS BEACH, CA 94038-9677

Mortgage

Document Number	0000000308
Date	Jan 4, 2021
Instrument	2021-000308

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1031 Oak Ave was $6,600.

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		$320,312 (+2%) Land $71,069 Building $249,243
2025	$6,600.00 Homeowner's exemption	$314,032 Land $69,676 Building $244,356
2023	$5,538.00 (+2.56%) Homeowner's exemption	$301,839 (+2%) Land $66,971 Building $234,868	$1,583,100
2022	$5,400.00 Homeowner's exemption	$295,921 Land $65,658 Building $230,263

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1031 Oak Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 1031 Oak Ave 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 80% of the US · lower than 88% 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 and 4G LTE (outdoors only)

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