400 Terrace Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 400 Terrace Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,840 sqft · built 1972
Lot Size	0.12 acres (5,228 sqft)
Owner	2 Trust Names on File
Tax Bill	$8,510 (2025)
Deeds & Mortgages	May 2021 Transfer May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-171-560`

Property Details

APN / Parcel Number

Primary APN	`037-171-560`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,840 sqft Living Area
Gross Area	3,400 sqft
1st Floor Area	1,640 sqft
Attic	Attic
Attic Area	120 sqft
Basement Area	440 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Tudor
Exterior Material	Wood
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	5,228 sqft (0.12 acres)
Lot Dimensions	105 ft deep x 50 ft wide
View / Lot	Corner
Garage Type	Basement
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	400 TERRACE AVE
City	MOSS BEACH
State	CA
Zip	94038-9671
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 16 & 17 BLK 4 CIVIC CENTER MOSS BEACH RSM 8/10
Legal Subdivision	CIVIC CENTER MOSS BEACH
Legal Block	4
Legal Lot Number	16,17
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2002
Census Tract	613600

Owner

400 Terrace Ave is held in a trust since March 2021.

Source: San Mateo County records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1555 LAKESIDE DR # 121, 121, MOSS BEACH, CA 94038
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Intrafamily Transfer, Transfer AMROCK LLC
May 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 11, 2021
Transfer Doc	0000073148
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	May 7, 2021
Property Address	400 TERRACE AVE, MOSS BEACH, CA 94038-9671
Document Number	0000073150
Map Reference	MB 8 PG 10
Instrument Date	Mar 11, 2021
Instrument	2021-073150
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	AMROCK LLC

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	Revocable Living Trust
Address	1555 LAKESIDE DR APT 121, 121, OAKLAND, CA 94612-4548

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	May 7, 2021
Property Address	400 TERRACE AVE, MOSS BEACH, CA 94038-9671
Document Number	0000073148
Map Reference	MB 8 PG 10
Instrument Date	Mar 11, 2021
Instrument	2021-073148
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	AMROCK INC, AMROCK LLC

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	400 TERRACE AVE, MOSS BEACH, CA 94038-9671

Mortgage

Document Number	0000073149
Date	May 7, 2021
Instrument	2021-073149

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 400 Terrace Ave was $8,510.

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		$477,904 (+2%) Land $69,676 Building $408,228
2025	$8,510.00	$468,534 Land $68,310 Building $400,224
2023	$7,769.00 (-5.38%)	$450,342 Land $65,658 Building $384,684	$2,240,550
2022	$8,211.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 400 Terrace Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · tidal / storm surge

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

Wildfire risk around 400 Terrace Ave is low, with a 0.01% annual chance of 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	0.01% 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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