San Mateo County property record for 428 7th St, Montara, CA 94037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,050 sqft · built 1910 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Aug 2015) |
| Tax Bill | $12,986 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Aug 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-092-040 |
| Primary APN | 036-092-040 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Family Room | Family Room |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 428 7TH ST |
|---|---|
| City | MONTARA |
| State | CA |
| Zip | 94037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 9 BLOCK 59 FARALLONE CITY 1ST 2ND ADD |
| Legal Subdivision | FARALLONE CITY 1ST 2ND ADD |
| Legal Block | 59 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 5 |
| Census Block | 5036 |
| Census Tract | 613600 |
428 7th St is owned and occupied by an individual who acquired it in August 2021.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 7TH ST, MONTARA, CA 94037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 19, 2021 | Intrafamily Transfer, Transfer · Line of Credit TRI COUNTIES BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2015 · Amount on File |
| Deed Sale | Aug 11, 2015 · Amount on File |
| Prior Sale | Dec 30, 2010 · Amount on File |
| Deed Document Number | 201584727 |
| Last Transfer Date | Aug 6, 2021 |
| Transfer Doc | 0000121365 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 428 7TH ST, MONTARA, CA 94037-9924 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 428 7TH ST, MONTARA, CA 94037-9924 |
| Document Number | 0000032512 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 2022-032512 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Aug 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Aug 19, 2021 |
| Property Address | 428 7TH ST, MONTARA, CA 94037 |
| Document Number | 0000121365 |
| Map Reference | MB 5 PG 3 |
| Instrument Date | Aug 6, 2021 |
| Instrument | 2021-121365 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 7TH ST, MONTARA, CA 94037 |
| Document Number | 0000121366 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 2021-121366 |
| Name | TRI COUNTIES BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 428 7th St was $12,986 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $905,598 (+2%) Land $784,854 Building $120,744 | ||
| 2025 | $12,986.00 Homeowner's exemption | $887,842 Land $769,465 Building $118,377 | |
| 2023 | $11,946.00 (+0.23%) Homeowner's exemption | $853,368 Land $739,587 Building $113,781 | $1,136,700 |
| 2022 | $11,919.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 7th 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 |
| 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 risk around 428 7th St is low, with a 0.01% annual chance of 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 | 0.01% 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.
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 |
| 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 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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