San Mateo County property record for 405 Wave Ave, Half Moon Bay, CA 94019
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,540 sqft · built 1988 |
| Lot Size | 0.176 acres (7,650 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,475,000 (Aug 2017) |
| Tax Bill | $21,006 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2018 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 048-205-300 |
| Primary APN | 048-205-300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,540 sqft Living Area |
| Gross Area | 3,050 sqft |
| 1st Floor Area | 1,240 sqft |
| 2nd Floor Area | 930 sqft |
| Basement Area | 510 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,650 sqft (0.176 acres) |
| Lot Dimensions | 127 ft deep x 60 ft wide |
| Garage Type | Basement |
| Garage Area | 510 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 WAVE AVE |
|---|---|
| City | HALF MOON BAY |
| State | CA |
| Zip | 94019-1428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100B2 |
| Legal Description | LOTS 31A & 31B BLK 3 EL MAR BEACH RSM D/59 |
| Legal Subdivision | EL MAR BEACH |
| Legal Block | 3 |
| Legal Lot Number | 31A |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 613501 |
405 Wave Ave is owner-occupied and held in a trust since August 2017.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 405 WAVE AVE, HALF MOON BAY, CA 94019-1428 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| May 7, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 1, 2017 | Grant Deed, Transfer NORTH AMERICAN TITLE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2017 · Amount on File |
| Deed Sale | Aug 1, 2017 · Amount on File |
| Prior Sale | Dec 7, 2015 · Amount on File |
| Deed Document Number | 201766284 |
| Prior Transfer Date | Nov 8, 1993 |
| Prior Transfer Doc | 0000227344 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 405 WAVE AVE, HALF MOON BAY, CA 94019-1428 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2026 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 405 WAVE AVE, HALF MOON BAY, CA 94019-1428 |
| Document Number | 0000161948 |
|---|---|
| Date | Nov 23, 2021 |
| Instrument | 2021-161948 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45245 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | May 7, 2018 |
| Property Address | 405 WAVE AVE, HALF MOON BAY, CA 94019-1428 |
| Document Number | 0000035154 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 35154 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 405 WAVE AVE HALF MOON BAY CA 940191428, HALF MOON BAY, CA 94019-1428 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Aug 1, 2017 |
| Property Address | 405 WAVE AVE, HALF MOON BAY, CA 94019-1428 |
| Document Number | 0000066284 |
| Map Reference | MAP D PG59 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 2017-066284 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | PO BOX 414, HALF MOON BAY, CA 94019-0414 |
The 2025 property tax bill for 405 Wave Ave was $21,006 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | Half Moon Bay City |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,711,856 (+2%) Land $855,928 Building $855,928 | ||
| 2025 | $21,006.00 Homeowner's exemption | $1,678,292 Land $839,146 Building $839,146 | |
| 2023 | $18,973.00 (+2.03%) Homeowner's exemption | $1,613,124 Land $806,562 Building $806,562 | $1,700,190 |
| 2022 | $18,595.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Wave Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
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 risk around 405 Wave Ave is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
May also be available: Verizon.
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