346 3rd St, Montara, CA 94037 Property Records

San Mateo County property record for 346 3rd St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1971
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,080,000 (May 2018)
Tax Bill	$21,718 (2025)
Deeds & Mortgages	Jul 2019 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-015-130`

Property Details

APN / Parcel Number

Primary APN	`036-015-130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,200 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Family Room	Family Room

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Basement
Garage Area	1,200 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	346 3RD ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 11 BLOCK 13 LOT 12 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	11,12
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	PO BOX 371297, MONTARA, CA 94037-1297
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2019	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
May 31, 2018	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	Feb 14, 1994 · Amount on Record
Deed Document Number	201842098
Prior Transfer Date	May 24, 2004
Prior Transfer Doc	0000110504
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	346 3RD ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	LAWYERS TITLE OF NOCAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060516
Date	Jul 31, 2019
Instrument	2019-060516

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.1%
Index	1-Year LIBOR
Max Rate	10.1%

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 31, 2018
Property Address	346 3RD ST, MONTARA, CA 94037
Document Number	0000042098
Map Reference	MB C PG55
Instrument Date	May 17, 2018
Instrument	2018-042098
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	LAWYERS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 371297, MONTARA, CA 94037-1297

Mortgage

Document Number	0000042099
Date	May 31, 2018
Instrument	2018-042099

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2058

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Jun 1, 2025
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	10.6%

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		$1,253,425 (+2%) Land $441,018 Building $812,407
2025	$21,718.00 (+10.96%)	$1,228,849 (+4.04%) Land $432,371 Building $796,478
2023	$19,572.00 (+2.32%)	$1,181,133 Land $415,583 Building $765,550	$1,201,140
2022	$19,129.00

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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