184 4th St, Montara, CA 94037 Property Records

San Mateo County property record for 184 4th St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,695 sqft · built 1935
Lot Size	0.31 acres (13,515 sqft)
Owner	2 Trust Names on File
Last Sale	$3,900,000 (Nov 2021)
Tax Bill	$53,125 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-048-160`

Property Details

APN / Parcel Number

Primary APN	`036-048-160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,695 sqft Living Area
1st Floor Area	1,460 sqft
Family Room	Family Room

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	13,515 sqft (0.31 acres)
Lot Dimensions	100 ft deep x 135 ft wide
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	184 4TH ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2,3,4,5,21 & PTN OF LOT 1 BLK 16 FARALLONE CITY RESUB RSM 6/2
Legal Subdivision	FARALLONE CITY RESUB
Legal Block	16
Legal Lot Number	2,3,1
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5015
Census Tract	613600

Owner

184 4th St is held in a trust since November 2021.

Source: San Mateo County records, as of October 12, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1646 CHESTNUT ST, SAN CARLOS, CA 94070-4725
Owner Type	Company
Vesting	Trust

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 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 24, 2021	Grant Deed, Transfer NORTH AMERICAN TITLE CO INC
Nov 22, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on File
Deed Sale	Nov 24, 2021 · Amount on File
Deed Document Number	2021162462
Prior Transfer Date	Oct 13, 2015
Prior Transfer Doc	0000110916
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	184 4TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067767
Date	Aug 29, 2018
Instrument	2018-067767

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 24, 2021
Property Address	184 4TH ST, MONTARA, CA 94037
Document Number	0000162462
Map Reference	MB 6 PG 2
Instrument Date	Nov 10, 2021
Instrument	2021-162462
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Tax	$4,290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 CHESTNUT ST, SAN CARLOS, CA 94070-4725

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Nov 22, 2021
Property Address	184 4TH ST, MONTARA, CA 94037
Document Number	0000161574
Map Reference	MB 6 PG 2
Instrument Date	Jun 24, 2021
Instrument	2021-161574
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	PO BOX 370406, MONTARA, CA 94037-0406

Tax Assessment & Valuation

The 2025 property tax bill for 184 4th St was $53,125.

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		$4,221,483 (+2%) Land $3,030,809 Building $1,190,674
2025	$53,125.00	$4,138,710 Land $2,971,382 Building $1,167,328
2023	$48,558.00 (+1.04%)	$3,978,000 Land $2,856,000 Building $1,122,000
2022	$48,056.00

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

Flood

FEMA maps place 184 4th St in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
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 184 4th St 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	Indirect within 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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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