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

San Mateo County property record for 515 Terrace Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,630 sqft · built 1981
Lot Size	0.183 acres (7,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,340,000 (Jan 2020)
Tax Bill	$20,900 (2025)
Deeds & Mortgages	Jan 2020 Transfer Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-062-490`

Property Details

APN / Parcel Number

Primary APN	`056-062-490`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,630 sqft Living Area
Gross Area	6,810 sqft
1st Floor Area	2,800 sqft
2nd Floor Area	1,830 sqft
Basement Area	2,180 sqft
Family Room	Family Room
Study	Study
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Traditional
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	7,950 sqft (0.183 acres)
Lot Dimensions	106 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	2,180 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 TERRACE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100B2
Legal Description	LOTS 71 72 73 BLK 1 NEWPORT TERRACE TRACT RSM 4/1
Legal Subdivision	NEWPORT TERRACE TRACT
Legal Block	1
Legal Lot Number	71
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2051
Census Tract	613501

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	515 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2020	Affidavit of Death, Transfer NORTH AMERICAN TITLE
Jan 22, 2020	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 22, 2020	Affidavit of Death, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Prior Sale	Nov 29, 1999 · Amount on Record
Deed Document Number	20205370
Prior Transfer Date	Oct 9, 2016
Prior Transfer Doc	0000114573
Record Updated	Oct 29, 2026

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	Jan 22, 2020
Property Address	515 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000005368
Instrument Date	Jan 7, 2020
Instrument	5368
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	NORTH AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19600 GRAYSTONE LN SAN JOSE CA 951201027, SAN JOSE, CA 95120-1027

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 22, 2020
Property Address	515 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000005370
Map Reference	MB C PG 57
Instrument Date	Jan 7, 2020
Instrument	2020-005370
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	480 COPELAND ST, PACIFICA, CA 94044-3207

Mortgage

Document Number	0000005371
Date	Jan 22, 2020
Instrument	2020-005371

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

January 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	Jan 22, 2020
Property Address	515 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000005369
Instrument Date	Jan 7, 2019
Instrument	5369
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	NORTH AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	19600 GRAYSTONE LN SAN JOSE CA 951201027, SAN JOSE, CA 95120-1027

Tax Assessment & Valuation

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		$1,695,356 (+2%) Land $392,660 Building $1,302,696
2025	$20,900.00 (+6.7%)	$1,662,115 (+5.29%) Land $384,961 Building $1,277,154
2024	$19,588.00 (+4.9%)
2023	$18,673.00 (+13.4%)	$1,578,675 Land $370,013 Building $1,208,662	$2,913,930
2022	$16,466.00

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
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

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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