640 Silver Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 640 Silver Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,610 sqft · built 1992
Lot Size	0.196 acres (8,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$930,000 (May 2004)
Tax Bill	$16,877 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`056-082-670`

Property Details

APN / Parcel Number

Primary APN	`056-082-670`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,610 sqft Living Area
Gross Area	4,110 sqft
1st Floor Area	2,250 sqft
2nd Floor Area	1,360 sqft
Basement Area	500 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Spanish
Exterior Material	Stucco
Construction Type	Stone
Roof Material	Tile
Lot Area	8,530 sqft (0.196 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Basement
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	640 SILVER AVE
City	HALF MOON BAY
State	CA
Zip	94019-1565
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOT F BLOCK 5 CITY OF HALF MOON BAY OFFICIAL MAP NO 3 RSM 107/34-35
Legal Subdivision	CITY OF HALF MOON BAY
Legal Block	5
Legal Lot Number	F
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2046
Census Tract	613501

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 Individual Names on Record
Mailing Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FINANCIAL LLC
Sep 24, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2017	Deed of Trust, Mortgage · Line of Credit SF FIRE CU
Feb 14, 2017	Quit Claim Deed, Transfer LAWYERS TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2004 · Amount on Record
Deed Sale	May 26, 2004 · Amount on Record
Prior Sale	Feb 16, 2000 · Amount on Record
Deed Document Number	2004108422
Last Transfer Date	Sep 17, 2019
Transfer Doc	0000078114
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565

Mortgage

Document Number	0000092403
Date	Jun 17, 2021
Instrument	2021-092403

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE OF NORCAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040554
Date	May 10, 2017
Instrument	2017-040554

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Sep 24, 2019
Property Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565
Document Number	0000078114
Map Reference	MB 107 PG 34&35
Instrument Date	Sep 17, 2019
Instrument	2019-078114
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE COMPANY

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	640 SILVER AVE, HALF MOON BAY, CA 94019-1565

Mortgage

Document Number	0000078115
Date	Sep 24, 2019
Instrument	2019-078115

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565
Document Number	0000060121
Instrument Date	Jun 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 2, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 SILVER AVE HALF MOON BAY CA 940191565, HALF MOON BAY, CA 94019-1565

Mortgage

Document Number	0000060121
Date	Jul 13, 2017
Instrument	60121

Lender

Name	SF FIRE CU
Address	SAN FRANCISCO, CA 94118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 12, 2042

Interest

Rate Type	Adjustable Rate

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Feb 14, 2017
Property Address	640 SILVER AVE, HALF MOON BAY, CA 94019-1565
Document Number	0000014088
Instrument Date	Feb 9, 2017
Instrument	14088
Transaction Type	Transfer
Record Updated	Mar 9, 2017
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 SILVER AVE HALF MOON BAY CA 940191565, HALF MOON BAY, CA 94019-1565

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	Assessed Market Value
2026		$1,348,694 (+2%) Land $674,347 Building $674,347
2025	$16,877.00 (+10.81%) Homeowner's exemption	$1,322,250 (+4.04%) Land $661,125 Building $661,125
2023	$15,231.00 (+2.19%) Homeowner's exemption	$1,270,906 Land $635,453 Building $635,453	$1,778,940
2022	$14,905.00

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

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	6 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 1983 · Coastal Storms, Floods, Slides & Tornadoes

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	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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