643 Main St, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 643 Main St, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 800 sqft · built 1920
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$2,225,000 (Mar 2026)
Tax Bill	$22,496 (2025)
Deeds & Mortgages	Mar 2026 Sale Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056-176-090`

Property Details

APN / Parcel Number

Primary APN	`056-176-090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	800 sqft
1st Floor Area	800 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Multi-Family
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	1,210 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	643 MAIN ST
City	HALF MOON BAY
State	CA
Zip	94019-1988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C20000
Legal Description	LOT 12 & SLY 10 FT OF LOT 11 BLK 9 SPANISHTOWN RSM
Legal Subdivision	SPANISHTOWN
Legal Block	9
Legal Lot Number	12,11
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	3
Census Block	3005
Census Tract	613702

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	Company Name on Record
Mailing Address	1160 BUCKINGHAM DR, LOS ALTOS, CA 94024-5506
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Grant Deed, Transfer TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO
Jan 30, 2026	Deed of Trust, Mortgage · Commercial Mortgage CAL-WEST HOME LOANS INC
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIRIDON 1994 TRUST (RT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Aug 27, 2004 · Amount on Record
Deed Document Number	202613013
Prior Transfer Date	Aug 11, 2016
Prior Transfer Doc	0000082014
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 16, 2026
Property Address	643 MAIN ST, HALF MOON BAY, CA 94019-1988
Document Number	0000013013
Map Reference	MB A PG 53
Instrument Date	Mar 10, 2026
Instrument	2026-013013
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,447.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 BUCKINGHAM DR, LOS ALTOS, CA 94024-5506

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 MAIN ST, HALF MOON BAY, CA 94019-1988
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 MAIN ST, HALF MOON BAY, CA 94019-1988

Mortgage

Document Number	0000004936
Date	Jan 30, 2026
Instrument	2026-004936

Lender

Name	CAL-WEST HOME LOANS INC
Type	Mortgage Company
Address	SAN CARLOS, CA 94070

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	643 MAIN ST, HALF MOON BAY, CA 94019-1988
Document Number	0000000024
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	643 MAIN ST HALF MOON BAY CA 940191988, HALF MOON BAY, CA 94019-1988

Mortgage

Document Number	0000000024
Date	Jan 2, 2020
Instrument	24

Lender

Name	DIRIDON 1994 TRUST (RT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,760,270 (+2%) Land $424,738 Building $1,335,532
2025	$22,496.00 (+7.73%) Homeowner's exemption	$1,725,756 (+4.04%) Land $416,410 Building $1,309,346
2024	$20,882.00 (+2.86%)
2023	$20,301.00 (+2.31%) Homeowner's exemption	$1,658,745 Land $400,242 Building $1,258,503	$1,671,210
2022	$19,842.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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 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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