396 5th St, Montara, CA 94037 Property Records

San Mateo County property record for 396 5th St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,576 sqft · built 2002
Lot Size	0.119 acres (5,164 sqft)
Owner	2 Company Names on Record
Last Sale	$905,000 (Jul 2004)
Tax Bill	$17,164 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-021-460`

Property Details

APN / Parcel Number

Primary APN	`036-021-460`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,576 sqft Living Area
1st Floor Area	1,328 sqft
2nd Floor Area	1,248 sqft
Family Room	Family Room

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	5,164 sqft (0.119 acres)
Lot Dimensions	100 ft deep x 55 ft wide
View / Lot	Corner
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	396 5TH ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10S17
Legal Description	PTNS OF LOTS 1 & 2 BLK 19 HANEMANS SEASIDE PARK TRACT RSM 4/63
Legal Subdivision	HANEMANS SEASIDE PARK TRACT
Legal Block	19
Legal Lot Number	1,2
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5032
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	395 5TH ST, MONTARA, CA 94037-9874
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
Apr 28, 2021	Intrafamily Transfer, Transfer NORTH AMERICAN TITLE CO INC
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCIAL FUNDING SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2004 · Amount on Record
Deed Sale	Jul 7, 2004 · Amount on Record
Prior Sale	Nov 16, 1999 · Amount on Record
Deed Document Number	2004139737
Last Transfer Date	Apr 19, 2021
Transfer Doc	0000067495
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	396 5TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 371186, MONTARA, CA 94037-1186

Mortgage

Document Number	0000005463
Date	Feb 7, 2023
Instrument	2023-005463

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Apr 28, 2021
Property Address	396 5TH ST, MONTARA, CA 94037
Document Number	0000067495
Map Reference	MB 4 PG 63
Instrument Date	Apr 19, 2021
Instrument	2021-067495
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	NORTH AMERICAN TITLE CO INC

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
Address	396 5TH ST, MONTARA, CA 94037

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Apr 27, 2021
Property Address	396 5TH ST, MONTARA, CA 94037
Document Number	0000066426
Map Reference	MB C PG 55
Instrument Date	Mar 2, 2021
Instrument	2021-066426
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

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	396 5TH ST, MONTARA, CA 94037

Mortgage

Document Number	0000066427
Date	Apr 27, 2021
Instrument	2021-066427

Lender

Name	FINANCIAL FUNDING SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	May 1, 2035

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		$1,286,706 (+2%) Land $643,353 Building $643,353
2025	$17,164.00 (+9.87%) Homeowner's exemption	$1,261,478 (+4.04%) Land $630,739 Building $630,739
2023	$15,622.00 (+0.92%) Homeowner's exemption	$1,212,496 Land $606,248 Building $606,248	$1,474,020
2022	$15,480.00

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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