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

San Mateo County property record for 551 Terrace Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 1975
Lot Size	0.122 acres (5,300 sqft)
Owner	2 Company Names on Record
Last Sale	$1,325,000 (Mar 2021)
Tax Bill	$18,257 (2025)
Deeds & Mortgages	Mar 2021 Sale Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-062-430`

Property Details

APN / Parcel Number

Primary APN	`056-062-430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,790 sqft Living Area
1st Floor Area	1,010 sqft
2nd Floor Area	500 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	5,300 sqft (0.122 acres)
Lot Dimensions	106 ft deep x 50 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	551 TERRACE AVE
City	HALF MOON BAY
State	CA
Zip	94019-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 53 & 54 BLK 1 NEWPORT TERRACE TRACT RSM 4/1
Legal Subdivision	NEWPORT TERRACE TRACT
Legal Block	1
Legal Lot Number	53,54
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2051
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 Company Names on Record
Mailing Address	45913 HIDDEN VALLEY TER, FREMONT, CA 94539-6845
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Grant Deed, Transfer CHICAGO TITLE COMPANY
Jul 31, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage MB FINANCIAL BANK NA
Feb 27, 2017	Quit Claim Deed, Transfer LAWYERS TITLE
Feb 24, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Feb 24, 2017 · Amount on Record
Deed Document Number	202151830
Prior Transfer Date	Jul 13, 2017
Prior Transfer Doc	0000065838
Record Updated	Oct 29, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 31, 2021
Property Address	551 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000051830
Map Reference	MB C PG 57
Instrument Date	Mar 26, 2021
Instrument	2021-051830
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,457.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	45913 HIDDEN VALLEY TER, FREMONT, CA 94539-6845

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jul 31, 2017
Property Address	551 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000065838
Map Reference	MAP C PG57
Instrument Date	Jul 13, 2017
Instrument	2017-065838
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 TERRACE AVE, HALF MOON BAY, CA 94019-1547

Mortgage

Document Number	0000065839
Date	Jul 31, 2017
Instrument	2017-065839

Lender

Name	MB FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 27, 2017
Property Address	551 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000017672
Instrument Date	Feb 22, 2017
Instrument	17672
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	551 TERRACE AVE HALF MOON BAY CA 940191547, HALF MOON BAY, CA 94019-1547

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 24, 2017
Property Address	551 TERRACE AVE, HALF MOON BAY, CA 94019-1547
Document Number	0000017331
Instrument Date	Feb 17, 2017
Instrument	17331
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	LAWYERS TITLE/NTHRN CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.65
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 TERRACE AVE HALF MOON BAY CA 940191547, HALF MOON BAY, CA 94019-1547

Mortgage

Document Number	17332
Date	Feb 24, 2017
Instrument	17332

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

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		$1,462,904 (+2%) Land $609,451 Building $853,453
2025	$18,257.00 (+10.75%)	$1,434,220 (+4.04%) Land $597,501 Building $836,719
2023	$16,485.00 (+2.12%)	$1,378,529 Land $574,300 Building $804,229	$1,369,530
2022	$16,142.00

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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