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

San Mateo County property record for 612 Spruce St, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,240 sqft · built 1991
Lot Size	0.085 acres (3,681 sqft)
Owner	2 Trust Names on File
Last Sale	$749,000 (Oct 2009)
Tax Bill	$9,763 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2024 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`064-142-180`

Property Details

APN / Parcel Number

Primary APN	`064-142-180`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	2,630 sqft
1st Floor Area	1,290 sqft
2nd Floor Area	950 sqft
Basement Area	390 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	3,681 sqft (0.085 acres)
Lot Dimensions	129 ft deep x 29 ft wide
View / Lot	Alley
Garage Type	Basement
Garage Area	390 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	612 SPRUCE ST
City	HALF MOON BAY
State	CA
Zip	94019-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20000
Legal Description	LOT 5 BLK 13 & ADJ PTN ALLEY ABAND 2ND ADDN TO ARLETA PARK RSM 4/36
Legal Subdivision	ARLETA PARK
Legal Block	13
Legal Lot Number	5
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	3
Census Block	3012
Census Tract	613702

Owner

612 Spruce St is held in a trust since October 2009.

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 Trust Names on File
Mailing Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · Commercial Mortgage LOANDEPOT.COM LLC
Jan 29, 2024	Deed of Trust, Mortgage · Line of Credit PROPONENT FCU
Feb 27, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROPONENT FCU
Jan 26, 2021	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jan 26, 2021	Correction Deed, Transfer FIRST AMERICAN TITLE
Jan 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PROPONENT FCU
Nov 21, 2018	Quit Claim Deed ATTORNEY ONLY
Aug 3, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2009 · Amount on File
Deed Sale	Oct 29, 2009 · Amount on File
Prior Sale	Nov 7, 1995 · Amount on File
Deed Document Number	2009142586
Prior Transfer Date	Jul 20, 1994
Prior Transfer Doc	0000123625
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155

Mortgage

Document Number	0000050130
Date	Sep 24, 2025
Instrument	2025-050130

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2055

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155

Mortgage

Document Number	0000005533
Date	Jan 29, 2024
Instrument	2024-005533

Lender

Name	PROPONENT FCU
Type	Credit Union
Address	NUTLEY, NJ 07110

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013550
Date	Feb 27, 2018
Instrument	2018-013550

Lender

Name	PROPONENT FCU
Type	Credit Union
Address	NUTLEY, NJ 07110

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 15, 2033

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 26, 2021
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000011794
Instrument Date	Jan 15, 2021
Instrument	11794
Transaction Type	Transfer
Record Updated	Feb 22, 2021
Title Company	FIRST AMERICAN 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	612 SPRUCE ST HALF MOON BAY CA 940192155, HALF MOON BAY, CA 94019-2155

January 2021: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jan 26, 2021
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000011791
Instrument Date	Jan 15, 2021
Instrument	11791
Transaction Type	Transfer
Record Updated	Feb 22, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	612 SPRUCE ST HALF MOON BAY CA 940192155, HALF MOON BAY, CA 94019-2155

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jan 26, 2021
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000011792
Map Reference	MB 4 PG 36
Instrument Date	Jan 15, 2021
Instrument	2021-011792
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN 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	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155

Mortgage

Document Number	0000011793
Date	Jan 26, 2021
Instrument	2021-011793

Lender

Name	PROPONENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

November 2018: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 21, 2018
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000091046
Instrument Date	Nov 17, 2018
Instrument	91046
Record Updated	Dec 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	612 SPRUCE ST HALF MOON BAY CA 940192155, HALF MOON BAY, CA 94019-2155

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 3, 2018
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000060850
Instrument Date	Jul 13, 2018
Instrument	60850
Transaction Type	Transfer
Record Updated	Aug 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	612 SPRUCE ST HALF MOON BAY CA 940192155, HALF MOON BAY, CA 94019-2155

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 6, 2018
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000052931
Instrument Date	Jun 28, 2018
Instrument	52931
Transaction Type	Transfer
Record Updated	Jul 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	612 SPRUCE ST HALF MOON BAY CA 940192155, HALF MOON BAY, CA 94019-2155

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	May 18, 2018
Property Address	612 SPRUCE ST, HALF MOON BAY, CA 94019-2155
Document Number	0000039008
Instrument Date	Dec 28, 2017
Instrument	39008
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	612 SPRUCE ST HALF MOON BAY CA 940192155, HALF MOON BAY, CA 94019-2155

Tax Assessment & Valuation

The 2025 property tax bill for 612 Spruce St was $9,763.

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		$715,906 (+2%) Land $238,633 Building $477,273
2025	$9,763.00	$701,869 Land $233,954 Building $467,915
2023	$8,789.00 (+2.76%)	$674,617 Land $224,870 Building $449,747	$1,284,390
2022	$8,553.00

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

Flood

FEMA maps place 612 Spruce 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
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

Wildfire risk around 612 Spruce St is low, with a 0.05% annual chance of 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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