431 Wave Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 431 Wave Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 1972
Lot Size	0.176 acres (7,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Nov 2012)
Tax Bill	$10,896 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`048-211-270`

Property Details

APN / Parcel Number

Primary APN	`048-211-270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	7,650 sqft (0.176 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	431 WAVE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10008
Legal Description	LOTS 29A & 29B BLK 5 EL MAR BEACH RSM D/59
Legal Subdivision	EL MAR BEACH
Legal Block	5
Legal Lot Number	29A
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1001
Census Tract	613501

Owner

Source: San Mateo County records, as of August 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	431 WAVE AVE, HALF MOON BAY, CA 94019-1428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2012 · Amount on Record
Deed Sale	Nov 16, 2012 · Amount on Record
Prior Sale	Jul 28, 2006 · Amount on Record
Deed Document Number	2012171161
Prior Transfer Date	Oct 30, 2003
Prior Transfer Doc	0000323227
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	431 WAVE AVE, HALF MOON BAY, CA 94019-1428
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 WAVE AVE, HALF MOON BAY, CA 94019-1428

Mortgage

Document Number	0000072671
Date	Oct 12, 2022
Instrument	2022-072671

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	431 WAVE AVE, HALF MOON BAY, CA 94019-1428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 WAVE AVE, HALF MOON BAY, CA 94019-1428

Mortgage

Document Number	0000083171
Date	Aug 20, 2020
Instrument	2020-083171

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Half Moon Bay City
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$822,702 (+2%) Land $411,351 Building $411,351
2025	$10,896.00 (+11.05%) Homeowner's exemption	$806,572 (+4.04%) Land $403,286 Building $403,286
2023	$9,812.00 (+2.63%) Homeowner's exemption	$775,254 Land $387,627 Building $387,627	$1,437,030
2022	$9,561.00

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Cruzio, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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