430 Montecito Ave, El Granada, CA 94018 Property Records

San Mateo County property record for 430 Montecito Ave, El Granada, CA 94018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,050 sqft · built 1955
Lot Size	0.094 acres (4,113 sqft)
Owner	2 Trust Names on File
Last Sale	$1,095,000 (Feb 2021)
Tax Bill	$14,849 (2025)
Deeds & Mortgages	Nov 2022 Transfer Feb 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`047-101-030`

Property Details

APN / Parcel Number

Primary APN	`047-101-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	4,113 sqft (0.094 acres)
Lot Dimensions	82 ft deep x 50 ft wide
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	430 MONTECITO AVE
City	EL GRANADA
State	CA
Zip	94018-8082
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 13 BLOCK 78 SUB NO 5 OF GRANADA RSM 6/50
Legal Subdivision	SUB NO 5 OF GRANADA
Legal Block	78
Legal Lot Number	13
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	4
Census Block	4005
Census Tract	613502

Owner

430 Montecito Ave is owner-occupied and held in a trust since August 2022.

Source: San Mateo County records, as of July 15, 2026

Owner of Record	2 Trust Names on File
Mailing Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Intrafamily Transfer, Transfer
Feb 22, 2021	Grant Deed, Transfer · Conventional Mortgage PRIVATE MORTGAGE ADVISORS LLC
Aug 27, 2019	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Mar 22, 2018	Grant Deed, Transfer · Commercial Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Prior Sale	Mar 22, 2018 · Amount on File
Deed Document Number	202129462
Last Transfer Date	Aug 30, 2022
Transfer Doc	0000079608
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Nov 17, 2022
Property Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000079608
Map Reference	MB 6 PG 50
Instrument Date	Aug 30, 2022
Instrument	2022-079608
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 22, 2021
Property Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000029462
Map Reference	MB 6 PG 50
Instrument Date	Feb 8, 2021
Instrument	2021-029462
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082

Mortgage

Document Number	0000029463
Date	Feb 22, 2021
Instrument	2021-029463

Lender

Name	PRIVATE MORTGAGE ADVISORS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069042
Date	Aug 27, 2019
Instrument	2019-069042

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 22, 2018
Property Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000021279
Map Reference	MB6 PG50
Instrument Date	Mar 13, 2018
Instrument	2018-021279
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	430 MONTECITO AVE, EL GRANADA, CA 94018-8082

Mortgage

Document Number	0000021281
Date	Mar 22, 2018
Instrument	2018-021281

Lender

Name	TCF NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 430 Montecito Ave was $14,849 with a homeowner's exemption.

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		$1,208,963 (+2%) Land $575,223 Building $633,740
2025	$14,849.00 Homeowner's exemption	$1,185,259 Land $563,945 Building $621,314
2023	$13,359.00 (+2.06%) Homeowner's exemption	$1,139,237 Land $542,048 Building $597,189	$1,046,520
2022	$13,089.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 430 Montecito Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (1998–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides

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

Wildfire risk around 430 Montecito Ave is low, with a 0.03% 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	0.03% 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	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

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 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000

May also be available: AT&T, Verizon.

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