1390 Main St, Montara, CA 94037 Property Records

San Mateo County property record for 1390 Main St, Montara, CA 94037

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Lot Size	0.277 acres (12,066 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Mar 2004)
Tax Bill	$6,898 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`036-052-150`

Property Details

APN / Parcel Number

Primary APN	`036-052-150`

Exterior

Lot Area	12,066 sqft (0.277 acres)

Location & Zoning

Street Address	1390 MAIN ST
City	MONTARA
State	CA
Zip	94037
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CC00C1
Legal Description	LOTS 9 10 11 12 & PTN LOT 27 BLK 53 FARALLONE CITY RSM 6/2
Legal Subdivision	FARALLONE CITY
Legal Block	53
Legal Lot Number	9,27
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5015
Census Tract	613600

Owner

1390 Main St, a commercial property, is owned by an individual who acquired it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	19480 CABRILLO HWY, SAN GREGORIO, CA 94074
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

Date	Document
Apr 20, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CASTLE MORTGAGE CORP
Apr 6, 2017	Deed of Trust, Mortgage · Line of Credit HERZER FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2004 · Amount on File
Deed Sale	Mar 26, 2004 · Amount on File
Deed Document Number	200456207
Last Transfer Date	Apr 13, 2022
Transfer Doc	0000033343
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Apr 20, 2022
Property Address	1390 MAIN ST, MONTARA, CA 94037
Document Number	0000033343
Map Reference	MB 6 PG 2
Instrument Date	Apr 13, 2022
Instrument	2022-033343
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	171 CORONADO AVE, HALF MOON BAY, CA 94019-5320

Mortgage

Document Number	0000033344
Date	Apr 20, 2022
Instrument	2022-033344

Lender

Name	CASTLE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	May 1, 2027
Change Frequency	6 Months
Min Rate At Change	6%
Max Rate At Change	8.5%
Index	Other
Margin	6
Max Rate	11.5%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	1390 MAIN ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE OF NORCAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030156
Date	Apr 6, 2017
Instrument	2017-030156

Lender

Name	HERZER FINANCIAL SERVICES INC
Type	Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1390 Main St was $6,898.

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
2026		$348,031 (+2%) Land $333,541 Building $14,490
2025	$6,898.00	$341,207 Land $327,001 Building $14,206
2023	$5,914.00 (+2.42%)	$327,959 Land $314,304 Building $13,655
2022	$5,774.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1390 Main St in Zone X, an area of minimal flood risk.

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	9 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

Wildfire risk around 1390 Main St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 558 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, T-Mobile.

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