539 Kelmore St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 539 Kelmore St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,860 sqft · built 1976
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on Record
Last Sale	$675,000 (Nov 2000)
Tax Bill	$15,016 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-063-290`

Property Details

APN / Parcel Number

Primary APN	`037-063-290`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	1,230 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	539 KELMORE ST
City	MOSS BEACH
State	CA
Zip	94038-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100S7
Legal Description	LOTS 33 & 34 BLK 32 MOSS BEACH HEIGHTS RSM 6/8
Legal Subdivision	MOSS BEACH HEIGHTS
Legal Block	32
Legal Lot Number	33,34
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1036
Census Tract	613600

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	PO BOX 696, MOSS BEACH, CA 94038-0696
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Aug 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2000 · Amount on Record
Deed Sale	Nov 6, 2000 · Amount on Record
Deed Document Number	2000139310
Last Transfer Date	Apr 21, 2014
Transfer Doc	0000032954
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	539 KELMORE ST, MOSS BEACH, CA 94038-9707
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 KELMORE ST, MOSS BEACH, CA 94038-9707

Mortgage

Document Number	0000100239
Date	Jul 1, 2021
Instrument	2021-100239

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	539 KELMORE ST, MOSS BEACH, CA 94038-9707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075432
Date	Aug 29, 2017
Instrument	2017-075432

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2037

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,037,434 (+2%) Land $518,717 Building $518,717
2025	$15,016.00 (+13.22%) Homeowner's exemption	$1,017,094 (+4.04%) Land $508,547 Building $508,547
2023	$13,263.00 (+2.13%) Homeowner's exemption	$977,600 Land $488,800 Building $488,800	$1,746,180
2022	$12,986.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1986–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Dec 1996 · Severe Storms, Flooding, Mud And Landslides

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	MONTARA WATER AND SANITARY DISTRICT serves 6,088 people · EPA ID CA4110010
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Cruzio, T-Mobile.

Nearby Properties on Kelmore St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures