427 3rd St, Montara, CA 94037 Property Records

San Mateo County property record for 427 3rd St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,333 sqft · built 2001
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on Record
Last Sale	$2,150,000 (Jul 2022)
Tax Bill	$25,899 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036-061-210`

Property Details

APN / Parcel Number

Primary APN	`036-061-210`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,333 sqft Living Area
1st Floor Area	1,402 sqft
2nd Floor Area	931 sqft
Family Room	Family Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	386 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	427 3RD ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOT 7 BLK 50 FARALLONE CITY FIRST ADDITION RSM 4/29
Legal Subdivision	FARALLONE CITY FIRST ADDITION
Legal Block	50
Legal Lot Number	7
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5018
Census Tract	613600

Owner

Source: San Mateo County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	427 3RD ST, MONTARA, CA 94037
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2023	Deed of Trust, Mortgage · SBA Mortgage HERITAGE BANK OF COMMERCE
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 6, 2022	Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Apr 2, 2002 · Amount on Record
Deed Document Number	202252504
Prior Transfer Date	May 20, 2021
Prior Transfer Doc	0000083750
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	427 3RD ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	May 5, 2023
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000016308
Date	Apr 12, 2023
Instrument	2023-016308

Lender

Name	HERITAGE BANK OF COMMERCE
Type	Bank
Address	DANVILLE, CA 94526

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	427 3RD ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000139642
Date	Sep 30, 2021
Instrument	2021-139642

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 6, 2022
Property Address	427 3RD ST, MONTARA, CA 94037
Document Number	0000052504
Map Reference	MB A PG 58
Instrument Date	Jun 16, 2022
Instrument	2022-052504
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000052505
Date	Jul 6, 2022
Instrument	2022-052505

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	May 28, 2021
Property Address	427 3RD ST, MONTARA, CA 94037
Document Number	0000083750
Map Reference	MB A PG 58
Instrument Date	May 20, 2021
Instrument	2021-083750
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 371446, MONTARA, CA 94037-1446

Mortgage

Document Number	0000083751
Date	May 28, 2021
Instrument	2021-083751

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$2,000,000 (-) Land $730,000 Building $1,270,000
2025	$25,899.00 (+3.7%) Homeowner's exemption	$2,000,000 (-1.96%) Land $730,000 Building $1,270,000
2023	$24,976.00 (+86.04%) Homeowner's exemption	$2,040,000 Land $745,000 Building $1,295,000	$1,853,280
2022	$13,425.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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

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	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 558 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, T-Mobile.

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