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

San Mateo County property record for 121 Carnoustie Dr, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,623 sqft · built 2017
Lot Size	0.179 acres (7,792 sqft)
Owner	2 Company Names on Record
Last Sale	$3,185,000 (Nov 2025)
Tax Bill	$32,810 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`066-600-280`

Property Details

APN / Parcel Number

Primary APN	`066-600-280`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,623 sqft Living Area
1st Floor Area	2,012 sqft
2nd Floor Area	1,611 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	7,792 sqft (0.179 acres)
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	121 CARNOUSTIE DR
City	HALF MOON BAY
State	CA
Zip	94019-7900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 CARNOUSTIE SUB RSM 137/1-7
Legal Subdivision	CARNOUSTIE SUB
Legal Lot Number	28
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	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 3, 2025	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 14, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 31, 2017	Grant Deed, Transfer · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Aug 31, 2017 · Amount on Record
Deed Document Number	202558501
Prior Transfer Date	Nov 7, 2019
Prior Transfer Doc	0000096109
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000035083
Date	Mar 3, 2021
Instrument	2021-035083

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000002142
Date	Jan 10, 2022
Instrument	2022-002142

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000006638
Date	Feb 15, 2023
Instrument	2023-006638

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.3%
Type Change Date	Mar 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	Other
Margin	3
Max Rate	10.3%

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 3, 2025
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000058501
Map Reference	MB 76 PG 9-16
Instrument Date	Oct 30, 2025
Instrument	2025-058501
Transaction Type	Transfer
Record Updated	Dec 8, 2025
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	$3,503.50
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
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000058502
Date	Nov 3, 2025
Instrument	2025-058502

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Max Rate	10%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000125605
Date	Nov 9, 2020
Instrument	2020-125605

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Nov 14, 2019
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000096109
Map Reference	MB 76 PG 9-16
Instrument Date	Nov 7, 2019
Instrument	2019-096109
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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	Community Property with Right of Survivorship
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000096110
Date	Nov 14, 2019
Instrument	2019-096110

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 31, 2017
Property Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900
Document Number	0000076577
Map Reference	MAP76 PG9-16
Instrument Date	Jul 24, 2017
Instrument	2017-076577
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE CO INC

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
Relationship	Community Property with Right of Survivorship
Address	121 CARNOUSTIE DR, HALF MOON BAY, CA 94019-7900

Mortgage

Document Number	0000076578
Date	Aug 31, 2017
Instrument	2017-076578

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

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

Mortgage

Document Number	0000076579
Date	Aug 31, 2017
Instrument	2017-076579

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 18, 2017
Change Frequency	Monthly
Index	Prime Rate
Max Rate	14.9%

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		$3,185,000 (+19.11%) Land $1,600,000 Building $1,585,000
2025	$32,810.00 (+6.78%)	$2,673,892 (+4.04%) Land $1,336,946 Building $1,336,946
2024	$30,726.00 (+3.52%)
2023	$29,680.00 (+1.8%)	$2,570,064 Land $1,285,032 Building $1,285,032	$2,329,110
2022	$29,154.00

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 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% 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	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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