San Mateo County property record for 424 Spruce St, Half Moon Bay, CA 94019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,950 sqft · built 1960 |
| Lot Size | 0.169 acres (7,361 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $715,000 (Mar 2007) |
| Tax Bill | $12,733 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-112-200 |
| Primary APN | 064-112-200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,950 sqft Living Area |
| 1st Floor Area | 1,140 sqft |
| Family Room | Family Room |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 7,361 sqft (0.169 acres) |
| Lot Dimensions | 129 ft deep x 57 ft wide |
| Garage Area | 430 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 424 SPRUCE ST |
|---|---|
| City | HALF MOON BAY |
| State | CA |
| Zip | 94019-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100B1 |
| Legal Description | LOTS 6 & 7 BLK 15 2ND ADD TO ARLETA PARK RSM 4/36 AND ADJ PTN OF ALLEY ABND |
| Legal Subdivision | ARLETA PARK |
| Legal Block | 15 |
| Legal Lot Number | 6,7 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 613701 |
424 Spruce St is held in a trust since April 2012.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 424 SPRUCE ST, HALF MOON BAY, CA 94019-1839 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2007 · Amount on File |
| Deed Sale | Mar 9, 2007 · Amount on File |
| Prior Sale | Dec 31, 2004 · Amount on File |
| Deed Document Number | 200736380 |
| Last Transfer Date | Apr 2, 2012 |
| Transfer Doc | 0000049375 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 424 SPRUCE ST, HALF MOON BAY, CA 94019-1839 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000063114 |
|---|---|
| Date | Aug 9, 2019 |
| Instrument | 2019-063114 |
| Name | MEGA CAPITAL FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 424 Spruce St was $12,733.
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 | $977,089 (+2%) Land $683,285 Building $293,804 | ||
| 2025 | $12,733.00 | $957,932 Land $669,888 Building $288,044 | |
| 2023 | $11,480.00 (+2.44%) | $920,736 Land $643,876 Building $276,860 | $1,508,040 |
| 2022 | $11,207.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 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 risk around 424 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 | 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 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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