20 Madrone Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 20 Madrone Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,620 sqft · built 1975
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Jan 2026)
Tax Bill	$13,137 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-276-120`

Property Details

APN / Parcel Number

Primary APN	`037-276-120`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,620 sqft Living Area
Gross Area	1,860 sqft
1st Floor Area	1,000 sqft
2nd Floor Area	620 sqft
Basement Area	240 sqft
Family Room	Family Room

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	20 MADRONE AVE
City	MOSS BEACH
State	CA
Zip	94038-9747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 14 15 & 16 BLK 19 RIVIERA OCEAN VILLA TRACT RSM 6/20
Legal Subdivision	RIVIERA OCEAN VILLA TRACT
Legal Block	19
Legal Lot Number	14
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2028
Census Tract	613600

Owner

20 Madrone Ave is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 MADRONE AVE, MOSS BEACH, CA 94038-9747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Jan 7, 2026	Grant Deed, Transfer · Conventional Mortgage ANSWER HOME LENDING INC
Mar 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	Apr 22, 2008 · Amount on File
Deed Document Number	2026822
Prior Transfer Date	Mar 2, 2022
Prior Transfer Doc	0000021107
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 7, 2026
Property Address	20 MADRONE AVE, MOSS BEACH, CA 94038-9747
Document Number	0000000822
Map Reference	MB 6 PG 20
Instrument Date	Jan 5, 2026
Instrument	2026-000822
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,980.00
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	20 MADRONE AVE, MOSS BEACH, CA 94038-9747

Mortgage

Document Number	0000000823
Date	Jan 7, 2026
Instrument	2026-000823

Lender

Name	ANSWER HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Mar 10, 2022
Property Address	20 MADRONE AVE, MOSS BEACH, CA 94038-9747
Document Number	0000021107
Map Reference	MB 6 PG 20
Instrument Date	Mar 3, 2022
Instrument	2022-021107
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	DOMA TITLE OF CALIFORNIA 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	Living Trust
Address	3112 SAGE LN, PORT TOWNSEND, WA 98368-5139

Mortgage

Document Number	0000021108
Date	Mar 10, 2022
Instrument	2022-021108

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Apr 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.5%
Index	Other
Max Rate	7.5%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	20 MADRONE AVE, MOSS BEACH, CA 94038-9747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004632
Date	Jan 17, 2020
Instrument	2020-004632

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 20 Madrone Ave was $13,137.

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		$918,623 (+2%) Land $402,303 Building $516,320
2025	$13,137.00 Homeowner's exemption	$900,612 Land $394,415 Building $506,197
2023	$11,911.00 (+1.55%) Homeowner's exemption	$865,643 Land $379,100 Building $486,543	$1,017,360
2022	$11,729.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 20 Madrone Ave 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

Wildfire risk around 20 Madrone 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 93% of the US · lower than 96% 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.

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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