San Mateo County property record for 428 Central Ave, Half Moon Bay, CA 94019
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1964 |
| Lot Size | 0.127 acres (5,525 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,242 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-361-170 |
| Primary APN | 064-361-170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 5,525 sqft (0.127 acres) |
| Lot Dimensions | 110 ft deep x 50 ft wide |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 CENTRAL AVE |
|---|---|
| City | HALF MOON BAY |
| State | CA |
| Zip | 94019-1807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 8 BLK 4 CABRILLO PARK UNIT NO 2 RSM 59/12 |
| Legal Subdivision | CABRILLO PARK UNIT NO 2 |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 613701 |
428 Central Ave is owned and occupied by an individual who acquired it in March 2012.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 CENTRAL AVE, HALF MOON BAY, CA 94019-1807 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 7, 2012 |
| Transfer Doc | 0000038473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 428 CENTRAL AVE, HALF MOON BAY, CA 94019-1807 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 428 CENTRAL AVE, HALF MOON BAY, CA 94019-1807 |
| Document Number | 0000107138 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2021-107138 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 428 Central Ave was $4,242 with a homeowner's exemption.
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 | $237,537 (+2%) Land $96,330 Building $141,207 | ||
| 2025 | $4,242.00 Homeowner's exemption | $232,881 Land $94,442 Building $138,439 | |
| 2023 | $3,784.00 (+4.65%) Homeowner's exemption | $223,840 Land $90,776 Building $133,064 | $1,051,740 |
| 2022 | $3,616.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Central Ave 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 428 Central Ave 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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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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