San Mateo County property record for 538 Kelmore St, Moss Beach, CA 94038 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 1973 |
| Lot Size | 0.143 acres (6,222 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,800,000 (May 2022) |
| Tax Bill | $15,195 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-083-030 |
| Primary APN | 037-083-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,510 sqft Living Area |
| 1st Floor Area | 1,100 sqft |
| 2nd Floor Area | 310 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,222 sqft (0.143 acres) |
| Lot Dimensions | 124 ft deep x 50 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 538 KELMORE ST |
|---|---|
| City | MOSS BEACH |
| State | CA |
| Zip | 94038-9707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 6 7 BLOCK 34 MOSS BEACH HEIGHTS |
| Legal Subdivision | MOSS BEACH HEIGHTS |
| Legal Block | 34 |
| Legal Lot Number | 6 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 613600 |
Source: San Mateo County records · APN 037-083-030
Assessment roll updated July 15, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 KELMORE ST, MOSS BEACH, CA 94038-9707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 20, 2022 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 20, 2022 · Amount on Record |
| Deed Sale | May 20, 2022 · Amount on Record |
| Prior Sale | May 17, 2012 · Amount on Record |
| Deed Document Number | 202241973 |
| Prior Transfer Date | Dec 17, 2012 |
| Prior Transfer Doc | 0000192928 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 538 KELMORE ST, MOSS BEACH, CA 94038-9707 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 538 KELMORE ST, MOSS BEACH, CA 94038-9707 |
| Document Number | 0000053722 |
|---|---|
| Date | Oct 23, 2023 |
| Instrument | 2023-053722 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | FORT WORTH, TX 76155 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | May 20, 2022 |
| Property Address | 538 KELMORE ST, MOSS BEACH, CA 94038-9707 |
| Document Number | 0000041973 |
| Map Reference | MB 6 PG 8 |
| Instrument Date | May 12, 2022 |
| Instrument | 2022-041973 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2022 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,980.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 538 KELMORE ST, MOSS BEACH, CA 94038-9707 |
| Document Number | 0000041974 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 2022-041974 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
Source: San Mateo County records · Assessment roll updated July 15, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Unified School District | Cabrillo Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,009,566 (+2%) Land $504,783 Building $504,783 | ||
| 2025 | $15,195.00 (+4.58%) Homeowner's exemption | $989,772 (+4.04%) Land $494,886 Building $494,886 | |
| 2023 | $14,529.00 (+56.65%) Homeowner's exemption | $951,340 Land $475,670 Building $475,670 | $1,563,030 |
| 2022 | $9,275.00 |
Source: FEMA National Flood Hazard Layer, San Mateo County (06081C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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