109 Carnoustie Dr, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 109 Carnoustie Dr, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,196 sqft · built 2013
Lot Size	0.161 acres (7,027 sqft)
Owner	2 Company Names on Record
Last Sale	$2,820,000 (Mar 2026)
Tax Bill	$30,724 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-600-230`

Property Details

APN / Parcel Number

Primary APN	`066-600-230`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,196 sqft Living Area
1st Floor Area	2,200 sqft
2nd Floor Area	996 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	7,027 sqft (0.161 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	109 CARNOUSTIE DR
City	HALF MOON BAY
State	CA
Zip	94019-7900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 23 CARNOUSTIE SUB RSM 137/1-7
Legal Subdivision	CARNOUSTIE SUB
Legal Lot Number	23
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2000
Census Tract	613701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 24, 2018	Deed of Trust, Mortgage · Line of Credit ALLIANCE CU
May 8, 2019	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Aug 1, 2018	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Jun 23, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	202616196
Prior Transfer Date	Sep 13, 2014
Prior Transfer Doc	0000087322
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 30, 2026
Property Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000016196
Map Reference	MB 76 PG 9-16
Instrument Date	Mar 26, 2026
Instrument	2026-016196
Transaction Type	Transfer
Record Updated	Apr 30, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,102.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust

Mortgage

Document Number	0000016197
Date	Mar 30, 2026
Instrument	2026-016197

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	SOFR Average 30-Day
Max Rate	10.6%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004646
Date	Jan 24, 2018
Instrument	2018-004646

Lender

Name	ALLIANCE CU
Type	Credit Union
Address	SAN JOSE, CA 95118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 8, 2019
Property Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000034243
Instrument Date	Apr 16, 2019
Instrument	34243
Transaction Type	Transfer
Record Updated	May 24, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2450 CABRILLO HWY S #200 HALF MOON BAY CA 940192266, 200, HALF MOON BAY, CA 94019-2266

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 1, 2018
Property Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000059910
Instrument Date	Jul 25, 2018
Instrument	59910
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	577 ROCKY WAY WOODSIDE CA 940624021, WOODSIDE, CA 94062-4021

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 23, 2017
Property Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000053813
Map Reference	MAP76 PG9-16
Instrument Date	Jun 15, 2017
Instrument	2017-053813
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000053814
Date	Jun 23, 2017
Instrument	2017-053814

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Half Moon Bay City
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,551,078 (+2%) Land $1,275,539 Building $1,275,539
2025	$30,724.00 (+6.77%) Homeowner's exemption	$2,501,058 (+4.04%) Land $1,250,529 Building $1,250,529
2024	$28,776.00 (+3.56%)
2023	$27,788.00 (+1.84%) Homeowner's exemption	$2,403,940 Land $1,201,970 Building $1,201,970	$2,185,560
2022	$27,286.00

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

Flood

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

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

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

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.07% 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	COASTSIDE COUNTY WATER DISTRICT serves 19,033 people · EPA ID CA4110011
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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