461 Cypress Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 461 Cypress Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 950 sqft · built 1960
Lot Size	0.137 acres (5,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$799,000 (Nov 2016)
Tax Bill	$13,453 (2025)
Deeds & Mortgages	Mar 2021 Second Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-171-830`

Property Details

APN / Parcel Number

Primary APN	`037-171-830`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	750 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood
Construction Type	Wood
Roof Material	Tar & Gravel
Lot Area	5,980 sqft (0.137 acres)
Lot Dimensions	105 ft deep x 57 ft wide
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	461 CYPRESS AVE
City	MOSS BEACH
State	CA
Zip	94038-9644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOTS 20 21 PTN LOT 19 BLK 4 CIVIC CENTER TRACT RSM 8/10
Legal Subdivision	CIVIC CENTER TRACT
Legal Block	4
Legal Lot Number	20,19
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2002
Census Tract	613600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	461 CYPRESS AVE, MOSS BEACH, CA 94038-9644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BK
Dec 18, 2019	Quit Claim Deed, Transfer · VA Mortgage LOANUNITEDCOM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2016 · Amount on Record
Deed Sale	Nov 30, 2016 · Amount on Record
Prior Sale	Mar 28, 1996 · Amount on Record
Deed Document Number	2016125822
Last Transfer Date	Dec 13, 2019
Transfer Doc	0000107745
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	461 CYPRESS AVE, MOSS BEACH, CA 94038-9644
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 CYPRESS AVE, MOSS BEACH, CA 94038-9644

Mortgage

Document Number	0000051467
Date	Mar 31, 2021
Instrument	2021-051467

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	461 CYPRESS AVE, MOSS BEACH, CA 94038-9644
Document Number	0000041404
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	461 CYPRESS AVE MOSS BEACH CA 940389644, MOSS BEACH, CA 94038-9644

Mortgage

Document Number	0000041404
Date	May 8, 2020
Instrument	41404

Lender

Name	DISCOVER BK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 18, 2019
Property Address	461 CYPRESS AVE, MOSS BEACH, CA 94038-9644
Document Number	0000107745
Instrument Date	Dec 13, 2019
Instrument	107745
Transaction Type	Transfer
Record Updated	Jan 16, 2020
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	461 CYPRESS AVE MOSS BEACH CA 940389644, MOSS BEACH, CA 94038-9644

Mortgage

Document Number	108034
Date	Dec 18, 2019
Instrument	108034

Lender

Name	LOANUNITEDCOM LLC
Address	1770 INDIAN TRAIL LILBURN RD, NORCROSS, GA 30093-2645

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 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
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$945,847 (+2%) Land $768,281 Building $177,566
2025	$13,453.00 (+9.48%) Homeowner's exemption	$927,302 (+4.04%) Land $753,217 Building $174,085
2023	$12,288.00 (+2.26%) Homeowner's exemption	$891,296 Land $723,970 Building $167,326	$1,333,530
2022	$12,017.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (1998–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · tidal / storm surge

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	0.01% 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	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio.

Cell Coverage

5G (outdoors only) and 4G LTE

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