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

San Mateo County property record for 355 Cortez Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,330 sqft · built 1989
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,115 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`048-023-280`

Property Details

APN / Parcel Number

Primary APN	`048-023-280`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,330 sqft Living Area
Gross Area	2,810 sqft
1st Floor Area	1,500 sqft
2nd Floor Area	830 sqft
Basement Area	480 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Garage Type	Basement
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	355 CORTEZ AVE
City	HALF MOON BAY
State	CA
Zip	94019-5114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOTS 15 16 BLK 9 SHORE ACRES RSM 3/95
Legal Subdivision	SHORE ACRES
Legal Block	9
Legal Lot Number	15
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	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 30, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 11, 2021	Intrafamily Transfer, Transfer
Jan 31, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022
Deed Sale	Mar 30, 2022
Prior Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	202227326
Prior Transfer Date	Mar 16, 2022
Prior Transfer Doc	0000027326
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000046766
Date	Sep 25, 2023
Instrument	2023-046766

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Oct 31, 2048

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000045509
Date	Mar 22, 2021
Instrument	2021-045509

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Mar 30, 2022
Property Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000027326
Map Reference	MB 3 PG 95
Instrument Date	Mar 16, 2022
Instrument	2022-027326
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000027327
Date	Mar 30, 2022
Instrument	2022-027327

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 11, 2021
Property Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000023105
Map Reference	MB B PG 12
Instrument Date	Feb 10, 2021
Instrument	2021-023105
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Irrevocable Trust
Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 31, 2020
Property Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000009089
Map Reference	MB 3 PG 95
Instrument Date	Jan 29, 2020
Instrument	2020-009089
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000009090
Date	Jan 31, 2020
Instrument	2020-009090

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	355 CORTEZ AVE, HALF MOON BAY, CA 94019-5114
Document Number	0000110740
Instrument Date	Nov 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	355 CORTEZ AVE HALF MOON BAY CA 940195114, HALF MOON BAY, CA 94019-5114

Mortgage

Document Number	0000110740
Date	Dec 11, 2017
Instrument	110740

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

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		$697,555 (+2%) Land $197,015 Building $500,540
2025	$9,115.00 (+16.66%)	$683,878 (+9.43%) Land $193,152 Building $490,726
2023	$7,813.00 (-1.98%)	$624,952 Land $185,652 Building $439,300	$1,658,700
2022	$7,971.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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