630 Stetson St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 630 Stetson St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,920 sqft · built 1976
Lot Size	0.15 acres (6,530 sqft)
Owner	2 Individual Names on File
Last Sale	$1,839,500 (Mar 2023)
Tax Bill	$26,124 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-092-200`

Property Details

APN / Parcel Number

Primary APN	`037-092-200`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
1st Floor Area	1,120 sqft
2nd Floor Area	800 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,530 sqft (0.15 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Area	530 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	630 STETSON ST
City	MOSS BEACH
State	CA
Zip	94038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R100S7
Legal Description	LOTS 8 & 9 BLK 39 MOSS BEACH HEIGHTS RSM 6/8
Legal Subdivision	MOSS BEACH HEIGHTS
Legal Block	39
Legal Lot Number	8,9
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1017
Census Tract	613600

Owner

630 Stetson St is owned and occupied by two individuals who bought it in March 2023.

Source: San Mateo County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 213, MOSS BEACH, CA 94038-0213
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
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 10, 2023	Grant Deed, Transfer · Conventional Mortgage AXOS BANK
Sep 9, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2023 · Amount on File
Deed Sale	Mar 10, 2023 · Amount on File
Deed Document Number	202310672
Prior Transfer Date	Jun 8, 2015
Prior Transfer Doc	0000069757
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	Apr 17, 2026
Property Address	630 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000020161
Instrument Date	Apr 11, 2026
Instrument	202620161
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	630 STETSON ST, MOSS BEACH, CA 94038
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020161,
Date	Apr 17, 2026
Instrument	202620161

Lender

Name	LOANDEPOT.COM LLC

Agreement

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

Interest

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

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 10, 2023
Property Address	630 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000010672
Map Reference	MB 6 PG 8
Instrument Date	Mar 9, 2023
Instrument	2023-010672
Transaction Type	Transfer
Record Updated	Apr 11, 2023
Title Company	NOT AVAILABLE, DOMA TITLE OF CALIFORNIA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.45
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 213, MOSS BEACH, CA 94038-0213

Mortgage

Document Number	0000010673
Date	Mar 10, 2023
Instrument	2023-010673

Lender

Name	AXOS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Type Change Date	Apr 1, 2028
Change Frequency	6 Months
Min Rate At Change	7.75%
Max Rate At Change	12.7%
Index	Other
Margin	4
Max Rate	12.7%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	630 STETSON ST, MOSS BEACH, CA 94038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 STETSON ST, MOSS BEACH, CA 94038

Mortgage

Document Number	0000092379
Date	Sep 9, 2020
Instrument	2020-092379

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	727 Months
Due	Apr 3, 2081

Tax Assessment & Valuation

The 2025 property tax bill for 630 Stetson St was $26,124 with a homeowner's exemption, up 6.9% from the year before.

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		$1,952,090 (+2%) Land $848,966 Building $1,103,124
2025	$26,124.00 (+6.86%) Homeowner's exemption	$1,913,815 Land $832,320 Building $1,081,495
2024	$24,446.00 (+6.3%)
2023	$22,998.00 (+268.5%)	$1,839,500 Land $800,000 Building $1,039,500	$1,596,780
2022	$6,241.00

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

Flood

FEMA maps place 630 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 630 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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