423 Spruce St, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 423 Spruce St, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,380 sqft · built 1959
Lot Size	0.169 acres (7,361 sqft)
Owner	2 Trust Names on File
Last Sale	$1,600,000 (Jun 2021)
Tax Bill	$21,709 (2025)
Deeds & Mortgages	Jun 2021 Sale Apr 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`064-111-550`

Property Details

APN / Parcel Number

Primary APN	`064-111-550`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Traditional
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	7,361 sqft (0.169 acres)
Lot Dimensions	129 ft deep x 57 ft wide
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	423 SPRUCE ST
City	HALF MOON BAY
State	CA
Zip	94019-1838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100B1
Legal Description	LOTS 37 & 38 BLK 10 SECOND ADD TO ARLETA PARK RSM 4/36 AND ADJ PTN OF ALLEY ABND
Legal Subdivision	ARLETA PARK
Legal Block	10
Legal Lot Number	37,38
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1023
Census Tract	613701

Owner

423 Spruce St is held in a trust since June 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	30 SKYWOOD WAY, WOODSIDE, CA 94062-4811
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
Jun 8, 2021	Grant Deed, Transfer LAWYERS TITLE COMPANY
Apr 27, 2021	Deed of Trust, Mortgage · Line of Credit SAN FRANCISCO FIRE CU
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 22, 2019	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS
Aug 8, 2017	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Prior Sale	Jun 2, 2005 · Amount on File
Deed Document Number	202188017
Record Updated	Oct 29, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 8, 2021
Property Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838
Document Number	0000088017
Map Reference	MB C PG 24
Instrument Date	Jun 2, 2021
Instrument	2021-088017
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	30 SKYWOOD WAY, WOODSIDE, CA 94062-4811

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838

Mortgage

Document Number	0000066506
Date	Apr 27, 2021
Instrument	2021-066506

Lender

Name	SAN FRANCISCO FIRE CU
Type	Credit Union
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 19, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838

Mortgage

Document Number	0000149926
Date	Dec 22, 2020
Instrument	2020-149926

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838
Document Number	0000030982
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 SPRUCE ST HALF MOON BAY CA 940191838, HALF MOON BAY, CA 94019-1838

Mortgage

Document Number	0000030982
Date	Apr 29, 2019
Instrument	30982

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	423 SPRUCE ST, HALF MOON BAY, CA 94019-1838
Document Number	0000072241
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 SPRUCE ST HALF MOON BAY CA 940191838, HALF MOON BAY, CA 94019-1838

Mortgage

Document Number	0000072241
Date	Aug 18, 2017
Instrument	72241

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 423 Spruce St was $21,709.

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		$1,766,527 (+2%) Land $1,070,957 Building $695,570
2025	$21,709.00	$1,731,890 Land $1,049,958 Building $681,932
2023	$19,613.00 (+2.01%)	$1,664,640 Land $1,009,188 Building $655,452	$1,262,880
2022	$19,227.00

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

Flood

FEMA maps place 423 Spruce St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	7 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

Wildfire risk around 423 Spruce St 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 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	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 642 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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