474 Grove St, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 474 Grove St, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,370 sqft · built 1970
Lot Size	0.137 acres (5,976 sqft)
Owner	Individual Name on File
Last Sale	$27,000 (Mar 2004)
Tax Bill	$5,796 (2025)
Deeds & Mortgages	May 2021 Reverse Mortgage Jun 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-252-270`

Property Details

APN / Parcel Number

Primary APN	`064-252-270`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
1st Floor Area	1,370 sqft
Family Room	Family Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	5,976 sqft (0.137 acres)
Lot Dimensions	113 ft deep x 53 ft wide
View / Lot	Alley
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	474 GROVE ST
City	HALF MOON BAY
State	CA
Zip	94019-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100B1
Legal Description	BEING LOT 15 & ELY 1/2 OF LOT 14 ARLETA PARK RSM 4/30 AND ADJ PTN OF ALLEY ABND
Legal Subdivision	ARLETA PARK
Legal Lot Number	15,14
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1033
Census Tract	613701

Owner

474 Grove St is owned and occupied by an individual who bought it in March 2004.

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

Owner of Record	Individual Name on File
Mailing Address	474 GROVE ST, HALF MOON BAY, CA 94019-2008
Occupancy	Owner Occupied
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
May 21, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jun 22, 2017	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Jun 15, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2004 · Amount on File
Deed Sale	Mar 17, 2004 · Amount on File
Deed Document Number	200448265
Prior Transfer Date	Jan 26, 2004
Prior Transfer Doc	0000048265
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	474 GROVE ST, HALF MOON BAY, CA 94019-2008
Transaction Type	Mortgage
Record Updated	Jun 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	474 GROVE ST, HALF MOON BAY, CA 94019-2008

Mortgage

Document Number	0000080320
Date	May 21, 2021
Instrument	2021-080320

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	474 GROVE ST, HALF MOON BAY, CA 94019-2008
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATL TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053747
Date	Jun 22, 2017
Instrument	2017-053747

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.35%
Type Change Date	Jul 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	474 GROVE ST, HALF MOON BAY, CA 94019-2008
Document Number	0000053748
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 3, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	474 GROVE ST HALF MOON BAY CA 940192008, HALF MOON BAY, CA 94019-2008

Mortgage

Document Number	0000053748
Date	Jun 22, 2017
Instrument	53748

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.35%

Tax Assessment & Valuation

The 2025 property tax bill for 474 Grove St was $5,796, up 5.9% from the year before.

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		$367,013 (+2%) Land $97,602 Building $269,411
2025	$5,796.00 (+5.9%)	$359,818 Land $95,689 Building $264,129
2024	$5,473.00 (+5.37%)
2023	$5,194.00 (+3.69%)	$345,847 Land $91,974 Building $253,873	$1,349,910
2022	$5,009.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 474 Grove St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	7 in force

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 474 Grove St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 335 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

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Grove St

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