511 Terrace Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 511 Terrace Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,410 sqft · built 1973
Lot Size	0.122 acres (5,301 sqft)
Owner	Trust Name on File
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-062-410`

Property Details

APN / Parcel Number

Primary APN	`056-062-410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,410 sqft Living Area
1st Floor Area	1,410 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	5,301 sqft (0.122 acres)
Lot Dimensions	106 ft deep x 50 ft wide
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	511 TERRACE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 74 & 75 BLK 1 NEWPORT TERRACE RSM 4/01
Legal Subdivision	NEWPORT TERRACE
Legal Block	1
Legal Lot Number	74,75
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2051
Census Tract	613501

Owner

511 Terrace Ave is owner-occupied and held in a trust since August 2014.

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	Trust Name on File
Mailing Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage FREMONT BANK
Oct 1, 2020	Deed of Trust, Mortgage · FHA Mortgage FREMONT BANK
Mar 27, 2017	Affidavit of Death, Transfer SERVICELINK
Mar 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 1, 2014
Transfer Doc	0000069726
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Transaction Type	Mortgage
Record Updated	Aug 3, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547

Mortgage

Document Number	0000104883
Date	Jul 13, 2021
Instrument	2021-104883

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547

Mortgage

Document Number	0000104442
Date	Oct 1, 2020
Instrument	2020-104442

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

March 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	Mar 27, 2017
Property Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000025915
Instrument Date	Mar 21, 2017
Instrument	25915
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	SERVICELINK

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 TERRACE AVE HALF MOON BAY CA 940191547, HALF MOON BAY, CA 94019-1547

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	511 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000025916
Instrument Date	Mar 21, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	511 TERRACE AVE HALF MOON BAY CA 940191547, HALF MOON BAY, CA 94019-1547

Mortgage

Document Number	0000025916
Date	Mar 27, 2017
Instrument	25916

Lender

Name	FREMONT BK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 26, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 511 Terrace Ave was $4,890 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
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		$294,486 (+2%) Land $71,069 Building $223,417
2025	$4,890.00 Homeowner's exemption	$288,713 Land $69,676 Building $219,037
2023	$4,371.00 (+4.2%) Homeowner's exemption	$277,504 Land $66,971 Building $210,533	$1,310,940
2022	$4,195.00

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

Flood

FEMA maps place 511 Terrace Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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	6 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 511 Terrace Ave is low, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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