390 3rd St, Montara, CA 94037 Property Records

San Mateo County property record for 390 3rd St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,880 sqft · built 1972
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,839 (2025)
Deeds & Mortgages	Nov 2021 Reverse Mortgage Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`036-015-300`

Property Details

APN / Parcel Number

Primary APN	`036-015-300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,880 sqft Living Area
Gross Area	2,480 sqft
1st Floor Area	1,280 sqft
Basement Area	1,200 sqft
Finished Basement	600 sqft
Unfinished Basement	600 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	390 3RD ST
City	MONTARA
State	CA
Zip	94037-9894
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100S7
Legal Description	LOTS 1 & 2 BLK 13 HANEMANS SEASIDE PARK TRACT RSM 4/63
Legal Subdivision	HANEMANS SEASIDE PARK TRACT
Legal Block	13
Legal Lot Number	1,2
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 Company Names on Record
Mailing Address	PO BOX 370729, MONTARA, CA 94037-0729
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Sep 8, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 22, 2022
Transfer Doc	0000066001
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	390 3RD ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000163592
Date	Nov 29, 2021
Instrument	2021-163592

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	873 Months
Due	Aug 15, 2094

Interest

Rate Type	Adjustable Rate
Rate	1.67%
Type Change Date	Jan 1, 2022
Change Frequency	Annually
Index	1-Year CMT

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Sep 8, 2022
Property Address	390 3RD ST, MONTARA, CA 94037
Document Number	0000066001
Map Reference	MB C PG 55
Instrument Date	Aug 22, 2022
Instrument	2022-066001
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	Living Trust
Address	PO BOX 370729, MONTARA, CA 94037-0729

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		$116,228 (+2%) Land $11,221 Building $105,007
2025	$4,839.00 (+15.13%) Homeowner's exemption	$113,950 (+4.04%) Land $11,001 Building $102,949
2023	$4,203.00 (+0.05%) Homeowner's exemption	$109,527 Land $10,575 Building $98,952	$1,486,530
2022	$4,201.00

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
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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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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