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495 Mirada Rd, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 495 Mirada Rd, Half Moon Bay, CA 94019

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,318 sqft · built 2020
Lot Size0.19 acres (8,287 sqft)
Owner2 Trust Names on File
Last Sale$250,000 (Jul 2016)
Tax Bill$22,695 (2025)
Deeds & MortgagesSep 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN048-093-070

Property Details

APN / Parcel Number

Primary APN048-093-070
Alternative APN
  • 048093040

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,318 sqft Living Area
1st Floor Area615 sqft
2nd Floor Area703 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Lot Area8,287 sqft (0.19 acres)
Lot Dimensions91 ft deep x 40 ft wide
Garage Area456 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Old Parcel Number048093040
Street Address495 MIRADA RD
CityHALF MOON BAY
StateCA
Zip94019-1313
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 23 24 BLOCK 2 MIRAMAR TERRACE RSM 4/12
Legal SubdivisionMIRAMAR TERRACE
Legal Block2
Legal Lot Number23
JurisdictionSAN MATEO CA
Township / Civil DivisionHALF MOON BAY
Census Block Group2
Census Block2019
Census Tract613502

Owner

495 Mirada Rd is held in a trust since July 2025.

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

Owner of Record2 Trust Names on File
Mailing Address495B MIRADA RD, HALF MOON BAY, CA 94019-1313
Owner TypeCompany
VestingTrust, Revocable Trust

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 19, 2016 · Amount on File
Deed SaleJul 19, 2016 · Amount on File
Deed Document Number201669991
Last Transfer DateJul 10, 2025
Transfer Doc0000038006
Record UpdatedSep 20, 2026

September 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN MATEO CA
Recording DateSep 6, 2019
Property Address495 MIRADA RD, HALF MOON BAY, CA 94019-1313
Document Number0000072427
Map ReferenceMB 4 PG 12
Instrument DateAug 9, 2019
Instrument2019-072427
Transaction TypeTransfer
Record UpdatedAug 5, 2022
Title CompanyLAWYERS TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address114 MIRADA RD, HALF MOON BAY, CA 94019-1308

Mortgage

Document Number0000072428
DateSep 6, 2019
Instrument2019-072428
Lender
NameBOSTON PRIVATE BANK & TRUST COMPANY
TypeBank
Agreement
TypeARM
AmountAmount on Record
Term361 Months
DueOct 1, 2049
Interest
Rate TypeAdjustable Rate
Rate3.12%
AdjustableAdjustable Rate Rider
Type Change DateOct 1, 2026
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change5.12%
Index1-Year LIBOR
Max Rate9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 495 Mirada Rd was $22,695.

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Mateo County
Unified School DistrictCabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,871,937 (+2%) Land $640,421 Building $1,231,516
2025$22,695.00$1,835,233 Land $627,864 Building $1,207,369
2023$15,053.00 (+3.28%)$1,269,930 Land $603,484 Building $666,446$1,991,610
2022$14,575.00

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

Flood

FEMA maps place 495 Mirada Rd 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 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 495 Mirada Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire RiskLow
lower than 65% of the US · lower than 79% of California
Wildfire Likelihood0.05% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCOASTSIDE COUNTY WATER DISTRICT
serves 19,033 people · EPA ID CA4110011
Water SourceSurface water
Last State InspectionJul 2023
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 347 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Cruzio
Fixed Wireless		1,000 / 1,000

May also be available: AT&T, Verizon.

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