496 7th St, Montara, CA 94037 Property Records

San Mateo County property record for 496 7th St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,925 sqft · built 1972
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$750,000 (Feb 2022)
Tax Bill	$15,261 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Oct 2017 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`036-092-100`

Property Details

APN / Parcel Number

Primary APN	`036-092-100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,925 sqft Living Area
Gross Area	2,550 sqft
1st Floor Area	1,400 sqft
Basement Area	1,150 sqft
Family Room	Family Room

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
View / Lot	Corner
Garage Type	Basement
Garage Area	1,150 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	496 7TH ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 1 BLOCK 59 FARALLONE CITY 1ST 2ND ADD
Legal Subdivision	FARALLONE CITY 1ST 2ND ADD
Legal Block	59
Legal Lot Number	1
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5036
Census Tract	613600

Owner

496 7th St is owned and occupied by an individual who bought it in February 2022.

Source: San Mateo County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	496 7TH ST, MONTARA, CA 94037
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
Apr 5, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 4, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 2, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 2, 2022	Grant Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2022 · Amount on File
Deed Sale	Feb 2, 2022 · Amount on File
Prior Sale	Feb 18, 2016 · Amount on File
Deed Document Number	20229849
Prior Transfer Date	Oct 11, 2013
Prior Transfer Doc	0000146678
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	496 7TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029634
Date	Apr 5, 2017
Instrument	2017-029634

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	496 7TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087377
Date	Oct 4, 2017
Instrument	2017-087377

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 14, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	496 7TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019041
Date	Mar 2, 2020
Instrument	2020-019041

Lender

Name	US BANK NA
Type	Bank
Address	57902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	356 Months
Due	Nov 13, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	496 7TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 7TH ST, MONTARA, CA 94037

Mortgage

Document Number	0000094868
Date	Jun 22, 2021
Instrument	2021-094868

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	496 7TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000094866
Date	Jun 22, 2021
Instrument	2021-094866

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	496 7TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 370594, MONTARA, CA 94037-0594

Mortgage

Document Number	0000162182
Date	Nov 23, 2021
Instrument	2021-162182

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 2, 2022
Property Address	496 7TH ST, MONTARA, CA 94037
Document Number	0000009849
Map Reference	MB 5 PG 3
Instrument Date	Jan 26, 2022
Instrument	2022-009849
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 7TH ST, MONTARA, CA 94037

Mortgage

Document Number	0000009850
Date	Feb 2, 2022
Instrument	2022-009850

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 496 7th St was $15,261 with a homeowner's exemption.

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		$1,101,777 (+2%) Land $513,171 Building $588,606
2025	$15,261.00 Homeowner's exemption	$1,080,174 Land $503,109 Building $577,065
2023	$13,878.00 (+0.95%) Homeowner's exemption	$1,038,233 Land $483,574 Building $554,659	$1,505,610
2022	$13,747.00

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

Flood

FEMA maps place 496 7th 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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 496 7th St is low, with a 0.01% annual chance of 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

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 558 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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