538 Highland Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 538 Highland Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,077 sqft · built 2001
Lot Size	0.217 acres (9,465 sqft)
Owner	2 Company Names on Record
Last Sale	$1,735,000 (Oct 2020)
Tax Bill	$23,404 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-064-360`

Property Details

APN / Parcel Number

Primary APN	`056-064-360`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,077 sqft Living Area
Gross Area	4,754 sqft
1st Floor Area	2,347 sqft
2nd Floor Area	1,730 sqft
Basement Area	677 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	9,465 sqft (0.217 acres)
Lot Dimensions	110 ft deep x 87 ft wide
Garage Type	Basement
Garage Area	677 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	538 HIGHLAND AVE
City	HALF MOON BAY
State	CA
Zip	94019-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOT K BLOCK 2 CITY OF HALF MOON BAY OFFICIAL MAP NO 3 RSM 107/34-35
Legal Subdivision	CITY OF HALF MOON BAY
Legal Block	2
Legal Lot Number	K
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2050
Census Tract	613501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALL WESTERN MORTGAGE INC
Aug 5, 2021	Intrafamily Transfer, Transfer
Oct 6, 2020	Grant Deed, Transfer · Conventional Mortgage ALL WESTERN MORTGAGE INC
Dec 27, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Prior Sale	Sep 20, 2001 · Amount on Record
Deed Document Number	2020106528
Last Transfer Date	Jun 4, 2021
Transfer Doc	0000115601
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704

Mortgage

Document Number	0000166862
Date	Dec 7, 2021
Instrument	2021-166862

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704

Mortgage

Document Number	0000125245
Date	Aug 27, 2021
Instrument	2021-125245

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company
Address	LAS VEGAS, NV 89113

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Sep 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Aug 5, 2021
Property Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704
Document Number	0000115601
Map Reference	MB 107 PG 34&35
Instrument Date	Jun 4, 2021
Instrument	2021-115601
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Oct 6, 2020
Property Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704
Document Number	0000106528
Map Reference	MB 107 PG 34&35
Instrument Date	Sep 15, 2020
Instrument	2020-106528
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,908.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704

Mortgage

Document Number	0000106529
Date	Oct 6, 2020
Instrument	2020-106529

Lender

Name	ALL WESTERN MORTGAGE INC
Type	Mortgage Company

Agreement

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

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Dec 27, 2018
Property Address	538 HIGHLAND AVE, HALF MOON BAY, CA 94019-1704
Document Number	0000100892
Instrument Date	Dec 18, 2018
Instrument	100892
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	538 HIGHLAND AVE HALF MOON BAY CA 940191704, HALF MOON BAY, CA 94019-1704

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		$1,915,576 (+2%) Land $578,536 Building $1,337,040
2025	$23,404.00 (+10.67%)	$1,878,017 (+4.04%) Land $567,193 Building $1,310,824
2023	$21,148.00 (+1.96%)	$1,805,093 Land $545,169 Building $1,259,924	$2,254,590
2022	$20,741.00

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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.08% 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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