San Mateo County property record for 528 Spruce St, Half Moon Bay, CA 94019
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,240 sqft · built 1948 |
| Lot Size | 0.231 acres (10,055 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $365,000 (Feb 2000) |
| Tax Bill | $4,857 (2025) |
| Deeds & Mortgages | Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-122-140 |
| Primary APN | 064-122-140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,030 sqft |
| Family Room | Family Room |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Lot Area | 10,055 sqft (0.231 acres) |
| Lot Dimensions | 129 ft deep x 51 ft wide |
| View / Lot | Alley |
| Garage Area | 965 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | None |
|---|
| Street Address | 528 SPRUCE ST |
|---|---|
| City | HALF MOON BAY |
| State | CA |
| Zip | 94019-1841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R100B1 |
| Legal Description | ELY 17 FT OF LOT 6 & LOT 7 8 9 BLK 14 & ADJ PTN OF ALLEY ABAND 2ND ADDITION TO ARLETA PARK RSM 4/36 |
| Legal Subdivision | ARLETA PARK |
| Legal Block | 14 |
| Legal Lot Number | 6,7 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 613701 |
528 Spruce St is owner-occupied and held in a trust since February 2025.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 528 SPRUCE ST, HALF MOON BAY, CA 94019-1841 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2000 · Amount on File |
| Deed Sale | Feb 25, 2000 · Amount on File |
| Deed Document Number | 200023231 |
| Last Transfer Date | Feb 13, 2025 |
| Transfer Doc | 0000014224 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 528 SPRUCE ST, HALF MOON BAY, CA 94019-1841 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021393 |
|---|---|
| Date | Mar 10, 2017 |
| Instrument | 2017-021393 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 528 Spruce St was $4,857 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | Half Moon Bay City |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $291,637 (+2%) Land $17,181 Building $274,456 | ||
| 2025 | $4,857.00 Homeowner's exemption | $285,920 Land $16,845 Building $269,075 | |
| 2023 | $4,341.00 (+4.2%) Homeowner's exemption | $274,820 Land $16,192 Building $258,628 | $1,348,470 |
| 2022 | $4,166.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 528 Spruce 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 risk around 528 Spruce St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 81% of California |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 642 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Cruzio Fixed Wireless | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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