San Mateo County property record for 121 Bernal Ave, Moss Beach, CA 94038
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,950 sqft · built 1985 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $695,000 (May 2009) |
| Tax Bill | $15,578 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-285-100 |
| Primary APN | 037-285-100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,950 sqft Living Area |
| Gross Area | 2,530 sqft |
| 1st Floor Area | 1,290 sqft |
| 2nd Floor Area | 660 sqft |
| Basement Area | 580 sqft |
| Family Room | Family Room |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Basement |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 121 BERNAL AVE |
|---|---|
| City | MOSS BEACH |
| State | CA |
| Zip | 94038-9682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100S7 |
| Legal Description | LOTS 9 & 10 BLK 21 RIVIERA OCEAN VILLA TRACT RSM 6/20 |
| Legal Subdivision | RIVIERA OCEAN VILLA TRACT |
| Legal Block | 21 |
| Legal Lot Number | 9,10 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 613600 |
121 Bernal Ave is owner-occupied and held in a trust since October 2020.
Source: San Mateo County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | PO BOX 370633, MONTARA, CA 94037-0633 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 17, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 25, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2009 · Amount on File |
| Deed Sale | May 1, 2009 · Amount on File |
| Deed Document Number | 200952885 |
| Last Transfer Date | Oct 23, 2020 |
| Transfer Doc | 0000134502 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 121 BERNAL AVE, MOSS BEACH, CA 94038-9682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004723 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 2020-004723 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 121 BERNAL AVE, MOSS BEACH, CA 94038-9682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 121 BERNAL AVE, MOSS BEACH, CA 94038-9682 |
| Document Number | 0000090454 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 2020-090454 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Nov 25, 2020 |
| Property Address | 121 BERNAL AVE, MOSS BEACH, CA 94038-9682 |
| Document Number | 0000134502 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 134502 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 121 BERNAL AVE MOSS BEACH CA 940389682, MOSS BEACH, CA 94038-9682 |
The 2025 property tax bill for 121 Bernal Ave was $15,578 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $912,880 (+2%) Land $456,440 Building $456,440 | ||
| 2025 | $15,578.00 Homeowner's exemption | $894,982 Land $447,491 Building $447,491 | |
| 2023 | $13,325.00 (+0.77%) Homeowner's exemption | $860,230 Land $430,115 Building $430,115 | $1,141,470 |
| 2022 | $13,223.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 Bernal Ave 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 risk around 121 Bernal Ave is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
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