428 3rd St, Montara, CA 94037 Property Records

San Mateo County property record for 428 3rd St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,647 sqft · built 1975
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2022)
Tax Bill	$18,640 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-062-200`

Property Details

APN / Parcel Number

Primary APN	`036-062-200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,647 sqft Living Area
Gross Area	2,027 sqft
1st Floor Area	810 sqft
2nd Floor Area	390 sqft
Basement Area	380 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	428 3RD ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 9 BLK 51 FIRST ADD TO FARALLONE CITY RSM 4/29
Legal Subdivision	FARALLONE CITY
Legal Block	51
Legal Lot Number	9
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5026
Census Tract	613600

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	Individual Name on Record
Mailing Address	PO BOX 371682, MONTARA, CA 94037-1682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
May 19, 2022	Grant Deed, Transfer NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC
Jun 1, 2017	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 19, 2022 · Amount on Record
Deed Sale	May 19, 2022 · Amount on Record
Prior Sale	Jun 1, 2017 · Amount on Record
Deed Document Number	202241475
Prior Transfer Date	May 13, 2011
Prior Transfer Doc	0000060812
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	428 3RD ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	DOMA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000041578
Date	May 19, 2022
Instrument	2022-041578

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	10%
Index	Other
Max Rate	10%

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 19, 2022
Property Address	428 3RD ST, MONTARA, CA 94037
Document Number	0000041475
Map Reference	MB A PG 58
Instrument Date	May 13, 2022
Instrument	2022-041475
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount Recorded
Tax	$286.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 371682, MONTARA, CA 94037-1682

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 1, 2017
Property Address	428 3RD ST, MONTARA, CA 94037
Document Number	0000047415
Map Reference	MAP A PG58
Instrument Date	May 25, 2017
Instrument	2017-047415
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	428 3RD ST, MONTARA, CA 94037

Mortgage

Document Number	0000047416
Date	Jun 1, 2017
Instrument	2017-047416

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

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		$1,254,817 (+2%) Land $710,274 Building $544,543
2025	$18,640.00 (+10.42%) Homeowner's exemption	$1,230,214 (+4.04%) Land $696,348 Building $533,866
2023	$16,881.00 (+1.72%) Homeowner's exemption	$1,182,446 Land $669,309 Building $513,137	$1,387,440
2022	$16,595.00

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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