314 3rd St, Montara, CA 94037 Property Records

San Mateo County property record for 314 3rd St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1965
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Jun 2012)
Tax Bill	$12,513 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-015-110`

Property Details

APN / Parcel Number

Primary APN	`036-015-110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft
Family Room	Family Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	314 3RD ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 15 16 17 BLOCK 13 HANEMANS SEASIDE PARK RESUB BLOCKS 6 13 14 19 20 23 24 27 28 FARALLONE CITY
Legal Subdivision	HANEMANS SEASIDE PARK RESUB
Legal Block	13,6
Legal Lot Number	15
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5026
Census Tract	613600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	314 3RD ST, MONTARA, CA 94037
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
Aug 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GENERAL MORTGAGE CAPITAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2012 · Amount on Record
Deed Sale	Jun 8, 2012 · Amount on Record
Prior Sale	Dec 27, 1996 · Amount on Record
Deed Document Number	201280862
Last Transfer Date	Jul 30, 2020
Transfer Doc	0000076911
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	314 3RD ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Mar 20, 2024
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000010520
Date	Feb 27, 2024
Instrument	2024-010520

Lender

Name	UMPQUA BANK
Type	Bank
Address	ROSEBURG, OR 97470

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Aug 5, 2020
Property Address	314 3RD ST, MONTARA, CA 94037
Document Number	0000076911
Map Reference	MB 4 PG 63
Instrument Date	Jul 30, 2020
Instrument	2020-076911
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	WFG NATIONAL TITLE INS CO

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	Community Property with Right of Survivorship
Address	314 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000076912
Date	Aug 5, 2020
Instrument	2020-076912

Lender

Name	GENERAL MORTGAGE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

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		$864,782 (+2%) Land $432,391 Building $432,391
2025	$12,513.00 (+8.7%) Homeowner's exemption	$847,826 (+4.04%) Land $423,913 Building $423,913
2023	$11,511.00 (+0.93%) Homeowner's exemption	$814,904 Land $407,452 Building $407,452	$1,015,290
2022	$11,405.00

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

Flood

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

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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