601 Spruce St, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 601 Spruce St, Half Moon Bay, CA 94019

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 4,330 sqft · built 1971
Lot Size	0.169 acres (7,361 sqft)
Owner	2 Company Names on Record
Last Sale	$2,275,000 (May 2025)
Tax Bill	$21,838 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-141-500`

Property Details

APN / Parcel Number

Primary APN	`064-141-500`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,330 sqft Living Area
1st Floor Area	2,620 sqft
2nd Floor Area	320 sqft
Basement Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Duplex Single
Lot Area	7,361 sqft (0.169 acres)
Lot Dimensions	129 ft deep x 57 ft wide
View / Lot	Corner
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	601 SPRUCE ST
City	HALF MOON BAY
State	CA
Zip	94019-2156
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R20000
Legal Description	LOT 47 & 48 BLK 12 & ADJ PTN ALLEY ABAND 2ND ADDN TO ARLETA PARK RSM 4/36
Legal Subdivision	ARLETA PARK
Legal Block	12
Legal Lot Number	47,48
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	3
Census Block	3013
Census Tract	613702

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	603 SPRUCE ST, HALF MOON BAY, CA 94019-2156
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage ADASTRA TECHNOLOGIES INC
Jun 18, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2025 · Amount on Record
Deed Sale	May 16, 2025 · Amount on Record
Prior Sale	Jun 18, 2021 · Amount on Record
Deed Document Number	202524279
Prior Transfer Date	Jul 8, 1997
Prior Transfer Doc	0000098698
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	601 SPRUCE ST, HALF MOON BAY, CA 94019-2156
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 SPRUCE ST, HALF MOON BAY, CA 94019-2156

Mortgage

Document Number	0000011666
Date	Mar 9, 2026
Instrument	2026-011666

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	SOFR Average 30-Day
Max Rate	10.1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	601 SPRUCE ST, HALF MOON BAY, CA 94019-2156
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051219
Date	Jun 29, 2022
Instrument	2022-051219

Lender

Name	ADASTRA TECHNOLOGIES INC
Type	Non-Lending Institution
Address	TORRANCE, CA 90501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 18, 2021
Property Address	601 SPRUCE ST, HALF MOON BAY, CA 94019-2156
Document Number	0000092906
Map Reference	MB C PG 24
Instrument Date	May 19, 2021
Instrument	2021-092906
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$693.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	601 SPRUCE ST, HALF MOON BAY, CA 94019-2156

Mortgage

Document Number	0000092907
Date	Jun 18, 2021
Instrument	2021-092907

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

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
2026		$2,320,500 (+41.46%) Land $1,295,400 Building $1,025,100
2025	$21,838.00 (+5.87%)	$1,640,411 (+4.04%) Land $1,015,043 Building $625,368
2024	$20,628.00 (+4.32%)
2023	$19,773.00 (+2.62%) Homeowner's exemption	$1,576,716 Land $975,630 Building $601,086
2022	$19,268.00

Assessed value is set for property tax purposes and is not a market price estimate.

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	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.05% 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	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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000

May also be available: AT&T, Verizon.

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