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

San Mateo County property record for 345 Cortez Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,980 sqft · built 1949
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Company Names on Record
Last Sale	$881,000 (Sep 2014)
Tax Bill	$16,089 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`048-023-340`

Property Details

APN / Parcel Number

Primary APN	`048-023-340`
Alternative APN	`048023120`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	600 sqft
Basement Area	660 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Bungalow
Exterior Material	Shingles
Roof Material	Wood Shingle
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	345 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 13 & 14 BLOCK 9 SHORE ACRES RSM 3/95
Legal Subdivision	SHORE ACRES
Legal Block	9
Legal Lot Number	13,14
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 Company Names on Record
Mailing Address	345 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2014 · Amount on Record
Deed Sale	Sep 19, 2014 · Amount on Record
Prior Sale	Oct 27, 2005 · Amount on Record
Deed Document Number	201484933
Last Transfer Date	Sep 19, 2020
Transfer Doc	0000111937
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	345 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CORTEZ AVE, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000175189
Date	Dec 23, 2021
Instrument	2021-175189

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 16, 2020
Property Address	345 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000111937
Instrument Date	Sep 19, 2020
Instrument	111937
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	345 CORTEZ AVE HALF MOON BAY CA 940195114, HALF MOON BAY, CA 94019-5114

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 16, 2020
Property Address	345 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000111938
Instrument Date	Sep 19, 2020
Instrument	111938
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	345 CORTEZ AVE HALF MOON BAY CA 940195114, HALF MOON BAY, CA 94019-5114

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	345 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000011538
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	345 CORTEZ AVE HALF MOON BAY CA 940195114, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000011538
Date	Feb 11, 2020
Instrument	11538

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%

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		$1,310,833 (+2%) Land $674,232 Building $636,601
2025	$16,089.00 (+11.07%)	$1,285,131 (+4.04%) Land $661,012 Building $624,119
2023	$14,485.00 (+2%)	$1,235,230 Land $635,345 Building $599,885	$1,720,710
2022	$14,201.00

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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