San Mateo County property record for 190 Arbor Ln, Moss Beach, CA 94038
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1974 |
| Lot Size | 0.167 acres (7,265 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $6,431 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-123-400 |
| Primary APN | 037-123-400 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 1,500 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Material | Wood Shingle |
| Lot Area | 7,265 sqft (0.167 acres) |
| Lot Dimensions | 126 ft deep x 58 ft wide |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 190 ARBOR LN |
|---|---|
| City | MOSS BEACH |
| State | CA |
| Zip | 94038-9702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100S7 |
| Legal Description | LOT 9 CYPRESS CLIFFS RSM 75/33 34 |
| Legal Subdivision | CYPRESS CLIFFS |
| Legal Lot Number | 9 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 613600 |
190 Arbor Ln is owner-occupied and held in a trust since May 2023.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 190 ARBOR LN, MOSS BEACH, CA 94038-9702 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 31, 2023 |
| Transfer Doc | 0000028002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Jun 13, 2023 |
| Property Address | 190 ARBOR LN, MOSS BEACH, CA 94038-9702 |
| Document Number | 0000028002 |
| Map Reference | MB 75 PG 33&34 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023-028002 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 190 ARBOR LN, MOSS BEACH, CA 94038-9702 |
The 2025 property tax bill for 190 Arbor Ln was $6,431 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 | $357,363 (+2%) Land $93,212 Building $264,151 | ||
| 2025 | $6,431.00 Homeowner's exemption | $350,357 Land $91,385 Building $258,972 | |
| 2023 | $5,783.00 (+2.5%) Homeowner's exemption | $336,755 (+2%) Land $87,838 Building $248,917 | $1,586,970 |
| 2022 | $5,642.00 Homeowner's exemption | $330,153 Land $86,116 Building $244,037 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 Arbor Ln 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 | 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 190 Arbor Ln 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 | None beyond ember reach |
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 95 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.
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