540 Terrace Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 540 Terrace Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,430 sqft · built 1961
Lot Size	0.247 acres (10,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,157,000 (Mar 2018)
Tax Bill	$18,674 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-061-190`

Property Details

APN / Parcel Number

Primary APN	`056-061-190`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,430 sqft Living Area
1st Floor Area	2,130 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	10,750 sqft (0.247 acres)
Lot Dimensions	107 ft deep x 100 ft wide
Garage Area	519 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	540 TERRACE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 23 24 25 & 26 BLOCK 1 NEWPORT TERRACE RSM 4/1
Legal Subdivision	NEWPORT TERRACE
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2046
Census Tract	613501

Owner

Source: San Mateo County records, as of July 15, 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 Record
Mailing Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU
Mar 16, 2018	Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Mar 1, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2018 · Amount on Record
Deed Sale	Mar 16, 2018 · Amount on Record
Deed Document Number	201819733
Prior Transfer Date	Aug 18, 2016
Prior Transfer Doc	0000085689
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548

Mortgage

Document Number	0000163300
Date	Nov 29, 2021
Instrument	2021-163300

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ARISTA NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100301
Date	Nov 26, 2019
Instrument	2019-100301

Lender

Name	PATELCO CU
Type	Credit Union
Address	PLEASANTON, CA 94588

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 16, 2018
Property Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548
Document Number	0000019733
Map Reference	MB C PG57
Instrument Date	Mar 7, 2018
Instrument	2018-019733
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548

Mortgage

Document Number	0000019734
Date	Mar 16, 2018
Instrument	2018-019734

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Mortgage

Document Number	0000019735
Date	Mar 16, 2018
Instrument	2018-019735

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN MATEO CA
Recording Date	Mar 1, 2018
Property Address	540 TERRACE AVE, HALF MOON BAY, CA 94019-1548
Document Number	0000014653
Instrument Date	Jan 23, 2018
Instrument	14653
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18556 EASY ST PENN VALLEY CA 959469307, PENN VALLEY, CA 95946-9307

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Half Moon Bay City
Unified School District	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,506,769 (+2%) Land $620,910 Building $885,859
2025	$18,674.00 (+10.76%) Homeowner's exemption	$1,477,226 (+4.04%) Land $608,736 Building $868,490
2023	$16,860.00 (+2.11%) Homeowner's exemption	$1,419,866 Land $585,099 Building $834,767	$1,630,890
2022	$16,511.00

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1983 · Coastal Storms, Floods, Slides & Tornadoes

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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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	COASTSIDE COUNTY WATER DISTRICT serves 19,033 people · EPA ID CA4110011
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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