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

San Mateo County property record for 409 Wave Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,850 sqft · built 1972
Lot Size	0.176 acres (7,650 sqft)
Owner	2 Company Names on Record
Last Sale	$1,810,000 (Jun 2023)
Tax Bill	$23,463 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`048-205-170`

Property Details

APN / Parcel Number

Primary APN	`048-205-170`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,850 sqft Living Area
1st Floor Area	1,650 sqft
2nd Floor Area	1,200 sqft
Family Room	Family Room
Study	Study
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	7,650 sqft (0.176 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Area	370 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	409 WAVE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10008
Legal Description	PARCEL E PARCEL MAP VOL 15/31
Legal Subdivision	EL MAR BEACH HALF MOON BAY
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1001
Census Tract	613501

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	409 WAVE AVE, HALF MOON BAY, CA 94019-1428
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 1, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 3, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Deed Document Number	202325988
Prior Transfer Date	Nov 23, 2022
Prior Transfer Doc	0000083078
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 3, 2026
Property Address	409 WAVE AVE, HALF MOON BAY, CA 94019-1428
Document Number	0000031609
Instrument Date	Jun 1, 2026
Instrument	202631609
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	409 WAVE AVE, HALF MOON BAY, CA 94019-1428

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 1, 2023
Property Address	409 WAVE AVE, HALF MOON BAY, CA 94019-1428
Document Number	0000025988
Map Reference	MB 15 PG 31
Instrument Date	May 26, 2023
Instrument	2023-025988
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,991.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	409 WAVE AVE, HALF MOON BAY, CA 94019-1428

Mortgage

Document Number	0000025989
Date	Jun 1, 2023
Instrument	2023-025989

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	May 3, 2018
Property Address	409 WAVE AVE, HALF MOON BAY, CA 94019-1428
Document Number	0000034409
Instrument Date	Feb 2, 2018
Instrument	34409
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 WAVE AVE HALF MOON BAY CA 940191428, HALF MOON BAY, CA 94019-1428

Tax Assessment & Valuation

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		$1,920,784 (+2%) Land $1,212,960 Building $707,824
2025	$23,463.00 (+10.66%)	$1,883,123 (+4.04%) Land $1,189,177 Building $693,946
2023	$21,202.00 (+621.89%)	$1,810,000 Land $1,200,000 Building $610,000	$1,580,040
2022	$2,937.00

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
Flood Insurance Cost	Premium on Record 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

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.

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