San Mateo County property record for 640 Mill St, Half Moon Bay, CA 94019
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3,680 sqft · built 1959 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $650,000 (Aug 2004) |
| Tax Bill | $11,080 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-162-010 |
| Primary APN | 056-162-010 |
|---|
| Units | 2 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,680 sqft Gross Area |
| Office | 1,601 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2000 |
| Fire Resistance | Masonry Walls, Wood Interior |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 640 MILL ST |
|---|---|
| City | HALF MOON BAY |
| State | CA |
| Zip | 94019-1727 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | R30000 |
| Legal Description | LOT 6 BLOCK 19 SPANISHTOWN |
| Legal Subdivision | SPANISHTOWN |
| Legal Block | 19 |
| Legal Lot Number | 6 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 613702 |
640 Mill St, a commercial property, is held in a trust since April 2006.
Source: San Mateo County records, as of July 15, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2855 S LUDWIG AVE, EAGLE, ID 83616-4404 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2004 · Amount on File |
| Deed Sale | Aug 6, 2004 · Amount on File |
| Prior Sale | Jan 29, 1998 · Amount on File |
| Deed Document Number | 2004161951 |
| Last Transfer Date | Apr 3, 2006 |
| Transfer Doc | 0000050265 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 640 Mill St was $11,080.
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Municipality | Half Moon Bay City |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $538,489 (+2%) Land $146,570 Building $391,919 | |
| 2025 | $11,080.00 | $527,932 Land $143,697 Building $384,235 |
| 2023 | $10,402.00 (+0.63%) | $507,433 Land $138,118 Building $369,315 |
| 2022 | $10,337.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 640 Mill 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 |
| Flood Insurance Cost | Premium on File median of 14 policies |
| Nearby Flood Policies | 14 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 risk around 640 Mill St is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 77% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 374 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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