540 Lancaster Blvd, Moss Beach, CA 94038 Property Records

San Mateo County property record for 540 Lancaster Blvd, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,990 sqft · built 1976
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,474 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-173-110`

Property Details

APN / Parcel Number

Primary APN	`037-173-110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,990 sqft Living Area
Gross Area	2,490 sqft
1st Floor Area	1,340 sqft
2nd Floor Area	650 sqft
Basement Area	500 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	540 LANCASTER BLVD
City	MOSS BEACH
State	CA
Zip	94038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100S7
Legal Description	LOTS 13 & 14 BLK 2 CIVIC CENTER MOSS BEACH RSM 8/10
Legal Subdivision	CIVIC CENTER MOSS BEACH
Legal Block	2
Legal Lot Number	13,14
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1013
Census Tract	613600

Owner

540 Lancaster Blvd is owner-occupied and held in a trust since February 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	540 LANCASTER BLVD, MOSS BEACH, CA 94038
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Dec 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 18, 2025
Transfer Doc	0000008250
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	540 LANCASTER BLVD, MOSS BEACH, CA 94038
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012225
Date	Feb 13, 2020
Instrument	2020-012225

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	540 LANCASTER BLVD, MOSS BEACH, CA 94038
Document Number	0000112063
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 536 MOSS BEACH CA 940380536, MOSS BEACH, CA 94038-0536

Mortgage

Document Number	0000112063
Date	Dec 31, 2019
Instrument	112063

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 540 Lancaster Blvd was $5,474 with a homeowner's exemption.

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		$145,352 (+2%) Land $25,892 Building $119,460
2025	$5,474.00 Homeowner's exemption	$142,503 Land $25,385 Building $117,118
2023	$4,803.00 (-2.79%) Homeowner's exemption	$136,971 Land $24,400 Building $112,571	$908,190
2022	$4,941.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 540 Lancaster Blvd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.

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

Wildfire risk around 540 Lancaster Blvd 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 329 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lancaster Blvd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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