407 Wave Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 407 Wave Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,170 sqft · built 1988
Lot Size	0.176 acres (7,650 sqft)
Owner	2 Trust Names on File
Last Sale	$1,400,000 (Dec 2020)
Tax Bill	$19,117 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048-205-290`

Property Details

APN / Parcel Number

Primary APN	`048-205-290`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,170 sqft Living Area
Gross Area	2,680 sqft
1st Floor Area	1,240 sqft
2nd Floor Area	930 sqft
Basement Area	510 sqft
Family Room	Family Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	407 WAVE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M10000
Legal Description	LOTS 32 A & 32 B BLK 3 EL MAR BEACH RSM D/59
Legal Subdivision	EL MAR BEACH
Legal Block	3
Legal Lot Number	32
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1001
Census Tract	613501

Owner

407 Wave Ave is owner-occupied and held in a trust since December 2020.

Source: San Mateo County records, as of July 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	407 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.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 16, 2020	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2020 · Amount on File
Deed Sale	Dec 16, 2020 · Amount on File
Prior Sale	Jul 26, 2006 · Amount on File
Deed Document Number	2020146118
Prior Transfer Date	Jun 5, 2013
Prior Transfer Doc	0000092061
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	407 WAVE AVE, HALF MOON BAY, CA 94019-1428
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 WAVE AVE, HALF MOON BAY, CA 94019-1428

Mortgage

Document Number	0000135104
Date	Sep 21, 2021
Instrument	2021-135104

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Oct 1, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	3.87%
Index	Other
Max Rate	6.87%

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 16, 2020
Property Address	407 WAVE AVE, HALF MOON BAY, CA 94019-1428
Document Number	0000146118
Map Reference	MB 4 PG 49
Instrument Date	Dec 3, 2020
Instrument	2020-146118
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 WAVE AVE, HALF MOON BAY, CA 94019-1428

Mortgage

Document Number	0000146119
Date	Dec 16, 2020
Instrument	2020-146119

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 407 Wave Ave was $19,117 with a homeowner's exemption.

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Half Moon Bay City
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,545,710 (+2%) Land $662,447 Building $883,263
2025	$19,117.00 Homeowner's exemption	$1,515,403 Land $649,458 Building $865,945
2023	$17,261.00 (+2.09%) Homeowner's exemption	$1,456,560 Land $624,240 Building $832,320	$1,558,710
2022	$16,907.00

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

Flood

FEMA maps place 407 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

Wildfire risk around 407 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.

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 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.

Nearby Properties on Wave Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures