185 Orval Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 185 Orval Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1965
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on File
Tax Bill	$7,303 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-223-110`

Property Details

APN / Parcel Number

Primary APN	`037-223-110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Other
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	80 ft deep x 80 ft wide
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	185 ORVAL AVE
City	MOSS BEACH
State	CA
Zip	94038-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 15 16 BLOCK 5 MARINE VIEW BEACH
Legal Subdivision	MARINE VIEW BEACH
Legal Block	5
Legal Lot Number	15
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2030
Census Tract	613600

Owner

185 Orval Ave is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	185 ORVAL AVE, MOSS BEACH, CA 94038-9756
Occupancy	Owner Occupied
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
Sep 30, 2021	Deed of Trust, Mortgage · Line of Credit MENLO SURVEY FCU
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit MENLO SURVEY FCU
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	185 ORVAL AVE, MOSS BEACH, CA 94038-9756
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 ORVAL AVE, MOSS BEACH, CA 94038-9756

Mortgage

Document Number	0000139942
Date	Sep 30, 2021
Instrument	2021-139942

Lender

Name	MENLO SURVEY FCU
Type	Credit Union
Address	MOUNTAIN VIEW, CA 94035

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 29, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	185 ORVAL AVE, MOSS BEACH, CA 94038-9756
Transaction Type	Mortgage
Record Updated	May 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062081
Date	Apr 19, 2021
Instrument	2021-062081

Lender

Name	MENLO SURVEY FCU
Type	Credit Union
Address	MOUNTAIN VIEW, CA 94035

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 18, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	185 ORVAL AVE, MOSS BEACH, CA 94038-9756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062900
Date	Jul 2, 2020
Instrument	2020-062900

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 185 Orval Ave was $7,303 with a homeowner's exemption.

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	Assessed Market Value
2026		$415,476 (+2%) Land $207,738 Building $207,738
2025	$7,303.00 Homeowner's exemption	$407,330 Land $203,665 Building $203,665
2023	$6,552.00 (+2.26%) Homeowner's exemption	$391,514 Land $195,757 Building $195,757	$808,020
2022	$6,407.00

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

Flood

FEMA maps place 185 Orval 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

Wildfire risk around 185 Orval Ave 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	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	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 128 locations within half a mile, as of December 31, 2025

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

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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