321 Cortez Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 321 Cortez Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,664 sqft · built 2018
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Oct 2011)
Tax Bill	$21,503 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`048-023-350`

Property Details

APN / Parcel Number

Primary APN	`048-023-350`
Alternative APN	`048023150`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,664 sqft Living Area
1st Floor Area	2,004 sqft
2nd Floor Area	1,660 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	321 CORTEZ AVE
City	HALF MOON BAY
State	CA
Zip	94019-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 9 & 10 BLOCK 9 SHORE ACRES RSM 3/95
Legal Subdivision	SHORE ACRES
Legal Block	9
Legal Lot Number	9,10
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2005
Census Tract	613502

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	321 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Sep 24, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Dec 3, 2018	Deed of Trust, Mortgage 5TH STREET CAP INC
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTON ROBERT J TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2011 · Amount on Record
Deed Sale	Oct 7, 2011 · Amount on Record
Prior Sale	Jul 8, 2011 · Amount on Record
Deed Document Number	2011118163
Last Transfer Date	Sep 7, 2016
Transfer Doc	0000092617
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	321 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078422
Date	Sep 24, 2019
Instrument	2019-078422

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Oct 12, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	321 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078423
Date	Sep 24, 2019
Instrument	2019-078423

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	321 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000095750
Instrument Date	Dec 3, 2018
Transaction Type	Mortgage
Record Updated	Dec 27, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	321 CORTEZ AVE HALF MOON BAY CA 940195114, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000095750
Date	Dec 7, 2018
Instrument	95750

Lender

Name	5TH STREET CAP INC
Address	2020 CAMINO DEL RIO N # 300, SAN DIEGO, CA 92108-1543

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.12%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	321 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000108642
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	321 CORTEZ AVE HALF MOON BAY CA 940195114, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000108642
Date	Dec 5, 2017
Instrument	108642

Lender

Name	NORTON ROBERT J TRUST (PT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,786,991 (+2%) Land $243,415 Building $1,543,576
2025	$21,503.00 (+10.9%)	$1,751,953 (+4.04%) Land $238,643 Building $1,513,310
2023	$19,390.00 (+1.84%)	$1,683,925 Land $229,377 Building $1,454,548	$2,234,070
2022	$19,039.00

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% 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	COASTSIDE COUNTY WATER DISTRICT serves 19,033 people · EPA ID CA4110011
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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