540 5th St, Montara, CA 94037 Property Records

San Mateo County property record for 540 5th St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Sep 2019)
Tax Bill	$4,114 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036-067-300`

Property Details

APN / Parcel Number

Primary APN	`036-067-300`

Exterior

Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Location & Zoning

Street Address	540 5TH ST
City	MONTARA
State	CA
Zip	94037-9808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 56 FARALLONE CITY FIRST ADDITION RSM 4/29
Legal Subdivision	FARALLONE CITY FIRST ADDITION
Legal Block	56
Legal Lot Number	7
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5034
Census Tract	613600

Owner

540 5th St is owned by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 370057, MONTARA, CA 94037-0057
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Sep 17, 2019	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Mar 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2019 · Amount on File
Deed Sale	Sep 17, 2019 · Amount on File
Prior Sale	May 28, 1999 · Amount on File
Deed Document Number	201975690
Prior Transfer Date	Mar 13, 2018
Prior Transfer Doc	0000021524
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 SWALLOWTAIL CT, BRISBANE, CA 94005-1254

Mortgage

Document Number	0000108358
Date	Jul 21, 2021
Instrument	2021-108358

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.37%
Index	LIBOR
Margin	1
Max Rate	2.5%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 17, 2019
Property Address	MONTARA, CA 94037
Document Number	0000075690
Instrument Date	Jul 19, 2019
Instrument	75690
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Tax	$330.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 SWALLOWTAIL CT BRISBANE CA 940051254, BRISBANE, CA 94005-1254

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 22, 2018
Property Address	MONTARA, CA 94037
Document Number	0000021524
Instrument Date	Mar 13, 2018
Instrument	21524
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	896 SHADOW CREEK PL LOS ALTOS CA 940246625, LOS ALTOS, CA 94024-6625

Tax Assessment & Valuation

The 2025 property tax bill for 540 5th St was $4,114.

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
2026		$1,009,654 (+207.73%) Land $334,654 Building $675,000
2025	$4,114.00	$328,093 Land $328,093
2023	$3,747.00 (+0.67%)	$315,353 Land $315,353
2022	$3,722.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 540 5th 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

Wildfire risk around 540 5th St is low, with a 0.01% annual chance of 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	Indirect within 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 5th St

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