590 Stetson St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 590 Stetson St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	70 bd · 4.5 ba · 2,000 sqft · built 1978
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Trust Names on File
Last Sale	$1,700,000 (Mar 2024)
Tax Bill	$24,561 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`037-092-170`

Property Details

APN / Parcel Number

Primary APN	`037-092-170`

Interior

Bedrooms	70 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	80 Rooms
Building Area	2,000 sqft Living Area
1st Floor Area	1,730 sqft
2nd Floor Area	270 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Area	920 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	590 STETSON ST
City	MOSS BEACH
State	CA
Zip	94038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100S7
Legal Description	BEING NELY PTN OF LOTS 22 23 24 BLK 39 MOSS BEACH HEIGHTS RSM 6/8
Legal Subdivision	MOSS BEACH HEIGHTS
Legal Block	39
Legal Lot Number	22
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1017
Census Tract	613600

Owner

590 Stetson St is held in a trust since March 2024.

Source: San Mateo County records, as of September 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	670 SPARGUR DR, LOS ALTOS, CA 94022-2365
Owner Type	Company
Vesting	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
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage INDUSTRIAL AND COMMERCIAL BANK/CHINA
Mar 11, 2024	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Mar 11, 2024	Grant Deed, Transfer · Conventional Mortgage INDUSTRIAL & COMMERCIAL BANK OF CHI
May 28, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2024 · Amount on File
Deed Sale	Mar 11, 2024 · Amount on File
Deed Document Number	202412855
Prior Transfer Date	Nov 12, 1993
Prior Transfer Doc	0000205504
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	Jul 28, 2026
Property Address	590 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000043005
Instrument Date	Jul 23, 2026
Instrument	202643005
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	670 SPARGUR DR, LOS ALTOS, CA 94022-2365

Mortgage

Document Number	0000043005,
Date	Jul 28, 2026
Instrument	202643005

Lender

Name	INDUSTRIAL AND COMMERCIAL BANK/CHINA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Mar 11, 2024
Property Address	590 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000012854
Map Reference	MB 6 PG 8
Instrument Date	Feb 27, 2024
Instrument	2024-012854
Transaction Type	Transfer
Record Updated	Apr 1, 2024
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 ROCK HILL CIR, RENO, NV 89519-5785

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 11, 2024
Property Address	590 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000012855
Map Reference	MB 6 PG 8
Instrument Date	Feb 27, 2024
Instrument	2024-012855
Transaction Type	Transfer
Record Updated	Apr 1, 2024
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	670 SPARGUR DR, LOS ALTOS, CA 94022-2365

Mortgage

Document Number	0000012856
Date	Mar 11, 2024
Instrument	2024-012856

Lender

Name	INDUSTRIAL & COMMERCIAL BANK OF CHI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	6.87%
Max Rate At Change	7.87%
Margin	4
Max Rate	12.8%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	May 28, 2021
Property Address	590 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000083799
Map Reference	MB 6 PG 8
Instrument Date	May 20, 2021
Instrument	2021-083799
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	2445 ROCK HILL CIR, RENO, NV 89519-5785

Tax Assessment & Valuation

The 2025 property tax bill for 590 Stetson St was $24,561.

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		$1,758,276 (+2%) Land $821,916 Building $936,360
2025	$24,561.00	$1,723,800 Land $805,800 Building $918,000
2023	$5,870.00 (+3.67%)	$201,334 Land $13,823 Building $187,511	$1,475,100
2022	$5,662.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 590 Stetson St 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 590 Stetson 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	None beyond 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 274 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, T-Mobile.

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