320 6th St, Montara, CA 94037 Property Records

San Mateo County property record for 320 6th St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,450 sqft · built 1990
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Nov 1997)
Tax Bill	$8,983 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-022-320`

Property Details

APN / Parcel Number

Primary APN	`036-022-320`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,450 sqft Living Area
Gross Area	2,910 sqft
1st Floor Area	1,310 sqft
2nd Floor Area	1,140 sqft
Basement Area	460 sqft
Family Room	Family Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	320 6TH ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOT 15 & THE NWLY 20 FT OF LOT 23 BLK 20 HANEMANS SEASIDE PARK TRACT RSM 4/63
Legal Subdivision	HANEMANS SEASIDE PARK TRACT
Legal Block	20
Legal Lot Number	15,23
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5033
Census Tract	613600

Owner

320 6th St is owned and occupied by an individual who bought it in November 1997.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 370188, MONTARA, CA 94037-0188
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
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOW VA RATES LLC
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 1997 · Amount on File
Deed Sale	Nov 21, 1997 · Amount on File
Deed Document Number	1997151717
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	320 6TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Feb 8, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 6TH ST, MONTARA, CA 94037

Mortgage

Document Number	0000002261
Date	Jan 19, 2023
Instrument	2023-002261

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64114

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2038

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	320 6TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 6TH ST, MONTARA, CA 94037

Mortgage

Document Number	0000005784
Date	Jan 21, 2022
Instrument	2022-005784

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	320 6TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029338
Date	Apr 18, 2018
Instrument	2018-029338

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 320 6th St was $8,983 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		$610,738 (+2%) Land $305,369 Building $305,369
2025	$8,983.00 Homeowner's exemption	$598,764 Land $299,382 Building $299,382
2023	$8,126.00 (+0.94%) Homeowner's exemption	$575,514 Land $287,757 Building $287,757	$1,360,170
2022	$8,050.00

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

Flood

FEMA maps place 320 6th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 320 6th St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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