560 4th St, Montara, CA 94037 Property Records

San Mateo County property record for 560 4th St, Montara, CA 94037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,880 sqft · built 1985
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,505,000 (Jul 2024)
Tax Bill	$20,286 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036-066-070`

Property Details

APN / Parcel Number

Primary APN	`036-066-070`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,880 sqft Living Area
Gross Area	2,370 sqft
1st Floor Area	1,180 sqft
2nd Floor Area	700 sqft
Basement Area	490 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic

Location & Zoning

Street Address	560 4TH ST
City	MONTARA
State	CA
Zip	94037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 5 BLOCK 53 FARALLONE CITY 1ST 2ND ADD
Legal Subdivision	FARALLONE CITY 1ST 2ND ADD
Legal Block	53
Legal Lot Number	5
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	5
Census Block	5029
Census Tract	613600

Owner

560 4th St is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 370581, MONTARA, CA 94037-0581
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HSBC BANK USA
Sep 12, 2018	Grant Deed, Transfer · ARM HSBC BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2024 · Amount on File
Deed Sale	Jul 19, 2024 · Amount on File
Prior Sale	Sep 12, 2018 · Amount on File
Deed Document Number	202438109
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	560 4TH ST, MONTARA, CA 94037
Transaction Type	Mortgage
Record Updated	Oct 18, 2022
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066485
Date	Jul 13, 2020
Instrument	2020-066485

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.86%
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.86%
Index	1-Year LIBOR
Max Rate	7.86%

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Sep 12, 2018
Property Address	560 4TH ST, MONTARA, CA 94037
Document Number	0000071330
Map Reference	MB A PG58
Instrument Date	Sep 4, 2018
Instrument	2018-071330
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	LAWYERS TITLE CO

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	P O BOX 351711, MONTARA, CA 94037

Mortgage

Document Number	0000071331
Date	Sep 12, 2018
Instrument	2018-071331

Lender

Name	HSBC BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.67%
Index	1-Year LIBOR
Max Rate	8.67%

Tax Assessment & Valuation

The 2025 property tax bill for 560 4th St was $20,286 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		$1,535,100 (+2%) Land $768,060 Building $767,040
2025	$20,286.00 Homeowner's exemption	$1,505,000 Land $753,000 Building $752,000
2023	$17,888.00 (-0.13%)	$1,387,426 Land $636,886 Building $750,540	$1,431,900
2022	$17,912.00

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

Flood

FEMA maps place 560 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

Wildfire risk around 560 4th St is low, with a 0.03% 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	0.03% 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.

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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 4th St

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