446 Montecito Ave, El Granada, CA 94018 Property Records

San Mateo County property record for 446 Montecito Ave, El Granada, CA 94018

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,392 sqft · built 1940
Lot Size	0.144 acres (6,282 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,424 (2025)
Deeds & Mortgages	Dec 2021 Transfer Dec 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`047-101-050`

Property Details

APN / Parcel Number

Primary APN	`047-101-050`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	800 sqft
Family Room	Family Room

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Lot Area	6,282 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	446 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 15 BLOCK 78 SUB NO 5 OF GRANADA RSM 6/50
Legal Subdivision	SUB NO 5 OF GRANADA
Legal Block	78
Legal Lot Number	15
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	4
Census Block	4005
Census Tract	613502

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	PO BOX 95, EL GRANADA, CA 94018-0095
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Intrafamily Transfer, Transfer
Dec 28, 2021	Intrafamily Transfer, Transfer
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage JANICE M FIORE
Jun 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 28, 2016	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Dec 27, 2021
Transfer Doc	0000176406
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 28, 2021
Property Address	446 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000176407
Map Reference	MB 6 PG 50
Instrument Date	Dec 27, 2021
Instrument	2021-176407
Transaction Type	Transfer
Record Updated	Jan 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 95, EL GRANADA, CA 94018-0095

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Dec 28, 2021
Property Address	446 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000176406
Map Reference	MB 9 PG 50
Instrument Date	Dec 27, 2021
Instrument	2021-176406
Transaction Type	Transfer
Record Updated	Jan 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 95, EL GRANADA, CA 94018-0095

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	446 MONTECITO AVE, EL GRANADA, CA 94018-8082
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 95, EL GRANADA, CA 94018-0095

Mortgage

Document Number	0000100099
Date	Jul 1, 2021
Instrument	2021-100099

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	446 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000104330
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 MONTECITO AVE EL GRANADA CA 940188082, EL GRANADA, CA 94018-8082

Mortgage

Document Number	0000104330
Date	Dec 9, 2019
Instrument	104330

Lender

Name	JANICE M FIORE
Address	238 TOWNSEND ST, SAN FRANCISCO, CA 94107-1720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	446 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000052980
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 MONTECITO AVE EL GRANADA CA 940188082, EL GRANADA, CA 94018-8082

Mortgage

Document Number	0000052980
Date	Jul 9, 2019
Instrument	52980

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	446 MONTECITO AVE, EL GRANADA, CA 94018-8082
Document Number	0000001463
Instrument Date	Dec 28, 2016
Transaction Type	Mortgage
Record Updated	Jan 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 MONTECITO AVE EL GRANADA CA 94018, EL GRANADA, CA 94018

Mortgage

Document Number	0000001463
Date	Jan 6, 2017
Instrument	1463

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2047

Tax Assessment & Valuation

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		$485,452 (+2%) Land $145,849 Building $339,603
2025	$6,424.00 (+11.62%) Homeowner's exemption	$475,935 (+4.04%) Land $142,990 Building $332,945
2023	$5,755.00 (+2.97%) Homeowner's exemption	$457,458 Land $137,439 Building $320,019	$1,188,720
2022	$5,589.00

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 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

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

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 Internet Fixed Wireless	1,000 / 1,000

May also be available: AT&T, Verizon.

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