620 Terrace Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 620 Terrace Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,920 sqft · built 1976
Lot Size	0.13 acres (5,665 sqft)
Owner	2 Trust Names on File
Last Sale	$830,000 (Oct 2014)
Tax Bill	$14,283 (2025)
Deeds & Mortgages	Feb 2022 Transfer Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-153-080`

Property Details

APN / Parcel Number

Primary APN	`037-153-080`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,400 sqft
2nd Floor Area	520 sqft
Basement Area	480 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	5,665 sqft (0.13 acres)
Lot Dimensions	108 ft deep x 52 ft wide
Garage Type	Basement
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 TERRACE AVE
City	MOSS BEACH
State	CA
Zip	94038-9669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 3 & 4 BLK 9 MARINE VIEW TERRACE RESUB RSM 5/39
Legal Subdivision	MARINE VIEW TERRACE RESUB
Legal Block	9
Legal Lot Number	3,4
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1008
Census Tract	613600

Owner

620 Terrace Ave is owner-occupied and held in a trust since December 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 456, MOSS BEACH, CA 94038-0456
Occupancy	Owner Occupied
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
Feb 17, 2022	Intrafamily Transfer, Transfer
Oct 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DATA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2014 · Amount on File
Deed Sale	Oct 24, 2014 · Amount on File
Prior Sale	Dec 11, 1997 · Amount on File
Deed Document Number	201496854
Last Transfer Date	Dec 16, 2021
Transfer Doc	0000014452
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 17, 2022
Property Address	620 TERRACE AVE, MOSS BEACH, CA 94038-9669
Document Number	0000014452
Map Reference	MB 5 PG 39
Instrument Date	Dec 16, 2021
Instrument	2022-014452
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	Revocable Trust
Address	PO BOX 456, MOSS BEACH, CA 94038-0456

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Oct 5, 2021
Property Address	620 TERRACE AVE, MOSS BEACH, CA 94038-9669
Document Number	0000141444
Map Reference	MB 5 PG 39
Instrument Date	Sep 28, 2021
Instrument	2021-141444
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

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	Joint Tenants
Address	620 TERRACE AVE, MOSS BEACH, CA 94038-9669

Mortgage

Document Number	0000141445
Date	Oct 5, 2021
Instrument	2021-141445

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 620 Terrace Ave was $14,283 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		$1,017,472 (+2%) Land $508,736 Building $508,736
2025	$14,283.00 Homeowner's exemption	$997,522 Land $498,761 Building $498,761
2023	$13,658.00 (+6.91%) Homeowner's exemption	$958,790 Land $479,395 Building $479,395	$826,110
2022	$12,775.00

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

Flood

FEMA maps place 620 Terrace Ave 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 620 Terrace Ave 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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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	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 329 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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