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

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

Property Summary

Property Type	Quadplex
Details	11 bd · 8 ba · 7,808 sqft · built 1990
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$2,200,000 (Oct 2018)
Tax Bill	$34,177 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-142-130`

Property Details

APN / Parcel Number

Primary APN	`056-142-130`

Interior

Bedrooms	11 Beds
Full Baths	8 Baths
Total Rooms	19 Rooms
Units	4 Units
Stories	3 Stories
Building Area	7,808 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Quadruplex
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Parking Spaces	8 Parking Spaces

Location & Zoning

Street Address	431 WILLOW AVE
City	HALF MOON BAY
State	CA
Zip	94019-1607
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	R30000
Legal Description	LOTS 16 17 18 BLOCK 4 PILARCITOS PARK
Legal Subdivision	PILARCITOS PARK
Legal Block	4
Legal Lot Number	16
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1014
Census Tract	613501

Owner

431 Willow Ave, a quadplex, is owned by an individual who acquired it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	11 MONTALBAN DR, FREMONT, CA 94536-1660
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 11, 2019	Grant Deed, Transfer
Oct 25, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY
Oct 25, 2018	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2018 · Amount on File
Deed Sale	Oct 25, 2018 · Amount on File
Prior Sale	Jun 9, 2000 · Amount on File
Deed Document Number	201883030
Last Transfer Date	Oct 22, 2021
Transfer Doc	0000152303
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Oct 29, 2021
Property Address	431 WILLOW AVE, HALF MOON BAY, CA 94019-1607
Document Number	0000152303
Map Reference	MB B PG 35
Instrument Date	Oct 22, 2021
Instrument	2021-152303
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	AMROCK INC, AMROCK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 MONTALBAN DR, 11, FREMONT, CA 94536-1660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MONTALBAN DR, FREMONT, CA 94536-1660

Mortgage

Document Number	0000152304
Date	Oct 29, 2021
Instrument	2021-152304

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 11, 2019
Property Address	431 WILLOW AVE, HALF MOON BAY, CA 94019-1607
Document Number	0000002045
Instrument Date	Dec 31, 2018
Instrument	2045
Transaction Type	Transfer
Record Updated	Jan 30, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 MONTALBAN DR FREMONT CA 945361660, FREMONT, CA 94536-1660

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 25, 2018
Property Address	431 WILLOW AVE, HALF MOON BAY, CA 94019-1607
Document Number	0000083031
Instrument Date	Oct 18, 2018
Instrument	83031
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431-437 WILLOW AVE HALF MOON BAY CA 940191607, HALF MOON BAY, CA 94019-1607

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 25, 2018
Property Address	431 WILLOW AVE, HALF MOON BAY, CA 94019-1607
Document Number	0000083030
Instrument Date	Oct 18, 2018
Instrument	83030
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,420.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431-437 WILLOW AVE HALF MOON BAY CA 940191607, HALF MOON BAY, CA 94019-1607

Mortgage

Document Number	83032
Date	Oct 25, 2018
Instrument	83032

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 431 Willow Ave was $34,177.

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
2026		$2,503,220 (+2%) Land $796,478 Building $1,706,742
2025	$34,177.00	$2,454,138 Land $780,861 Building $1,673,277
2023	$30,825.00 (+2.96%)	$2,358,842 Land $750,540 Building $1,608,302
2022	$29,938.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 431 Willow Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 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

Wildfire risk around 431 Willow 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 65% of the US · lower than 79% 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	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 274 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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