445 Cypress Ave, #A, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 445 Cypress Ave, #A, Half Moon Bay, CA 94019

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,470 sqft · built 1976
Lot Size	0.463 acres (20,180 sqft)
Owner	2 Individual Names on File
Last Sale	$845,000 (Apr 2019)
Tax Bill	$13,345 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`115-040-010`

Property Details

APN / Parcel Number

Primary APN	`115-040-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	8 Units
Stories	1 Story
Building Area	1,470 sqft Living Area
1st Floor Area	1,470 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Condo/Apartment
Lot Area	20,180 sqft (0.463 acres)
View / Lot	End Unit

Location & Zoning

Street Address	445 CYPRESS AVE
City	HALF MOON BAY
State	CA
Zip	94019-1601
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMR3PD
Legal Description	UNIT A THE CYPRESS RSM 90/9-10
Legal Subdivision	THE CYPRESS
Legal Lot Number	1,2
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1013
Census Tract	613501

Owner

Source: San Mateo County assessment roll, as of July 15, 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 File
Mailing Address	445 CYPRESS AVE, A, HALF MOON BAY, CA 94019-1601
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST
Apr 19, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 19, 2019 · Amount on Record
Deed Sale	Apr 19, 2019 · Amount on Record
Prior Sale	Dec 8, 2003 · Amount on Record
Deed Document Number	201928489
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	0000079817
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	445 CYPRESS AVE # A, A, HALF MOON BAY, CA 94019-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066706
Date	Aug 2, 2017
Instrument	2017-066706

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	445 CYPRESS AVE # A, A, HALF MOON BAY, CA 94019-1601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 CYPRESS AVE #A A, A, SAN FRANCISCO, CA 94109

Mortgage

Document Number	0000135164
Date	Nov 30, 2020
Instrument	2020-135164

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Apr 19, 2019
Property Address	445 CYPRESS AVE # A, A, HALF MOON BAY, CA 94019-1601
Document Number	0000028489
Instrument Date	Apr 15, 2019
Instrument	28489
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$929.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	445 CYPRESS AVE #A HALF MOON BAY CA 940191601, A, HALF MOON BAY, CA 94019-1601

Mortgage

Document Number	28490
Date	Apr 19, 2019
Instrument	28490

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 18, 2049

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		$1,032,006 (+2%) Land $516,003 Building $516,003
2025	$13,345.00 (+10.88%)	$1,011,772 (+4.04%) Land $505,886 Building $505,886
2023	$12,035.00 (+2.39%)	$972,486 Land $486,243 Building $486,243	$812,340
2022	$11,754.00

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 Internet Fixed Wireless	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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