San Mateo County property record for 540 4th St, Montara, CA 94037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,140 sqft · built 1960 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $755,000 (Apr 2015) |
| Tax Bill | $13,217 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 036-066-210 |
| Primary APN | 036-066-210 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 790 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 230 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 540 4TH ST |
|---|---|
| City | MONTARA |
| State | CA |
| Zip | 94037-9846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOT 7 BLK 53 FARALLONE CITY 1ST ADD RSM 4/29 |
| Legal Subdivision | FARALLONE CITY 1ST ADD |
| Legal Block | 53 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 5 |
| Census Block | 5029 |
| Census Tract | 613600 |
540 4th St is owned and occupied by two individuals who bought it in April 2015.
Source: San Mateo County records, as of September 22, 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 File |
|---|---|
| Mailing Address | PO BOX 370974, MONTARA, CA 94037-0974 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2015 · Amount on File |
| Deed Sale | Apr 28, 2015 · Amount on File |
| Prior Sale | Sep 11, 2003 · Amount on File |
| Deed Document Number | 201542933 |
| Prior Transfer Date | Apr 15, 1996 |
| Prior Transfer Doc | 0000049494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Recording Date | Aug 24, 2026 |
| Property Address | 540 4TH ST, MONTARA, CA 94037-9846 |
| Document Number | 0000047866 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202647866 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | ATLAS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000047866, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 202647866 |
| Name | STANFORD FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 15, 2056 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 540 4th St was $13,217 with a homeowner's exemption.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $925,533 (+2%) Land $612,938 Building $312,595 | ||
| 2025 | $13,217.00 Homeowner's exemption | $907,386 Land $600,920 Building $306,466 | |
| 2023 | $12,158.00 (-1.1%) Homeowner's exemption | $872,153 Land $577,587 Building $294,566 | $1,173,240 |
| 2022 | $12,293.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 4th 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 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 540 4th 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 | 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 |
| 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 558 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: AT&T, T-Mobile.
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