651 Stetson St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 651 Stetson St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,080 sqft · built 1986
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,798,000 (Aug 2025)
Tax Bill	$18,174 (2025)
Deeds & Mortgages	Feb 2026 Transfer Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-091-280`

Property Details

APN / Parcel Number

Primary APN	`037-091-280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,080 sqft Living Area
Gross Area	2,490 sqft
1st Floor Area	1,950 sqft
Basement Area	540 sqft
Finished Basement	130 sqft
Unfinished Basement	410 sqft
Family Room	Family Room
Study	Study

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	651 STETSON ST
City	MOSS BEACH
State	CA
Zip	94038-9654
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 35 & 36 BLK 35 MOSS BEACH HEIGHTS RSM 6/8
Legal Subdivision	MOSS BEACH HEIGHTS
Legal Block	35
Legal Lot Number	35,36
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1037
Census Tract	613600

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 Company Names on Record
Mailing Address	651 STETSON ST, MOSS BEACH, CA 94038-9654
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Intrafamily Transfer, Transfer
Apr 7, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jun 28, 2021	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Document Number	202539911
Transfer Doc	0000061356
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Feb 27, 2026
Property Address	651 STETSON ST, MOSS BEACH, CA 94038-9654
Document Number	0000010128
Map Reference	MB 6 PG 8
Instrument Date	Dec 18, 2025
Instrument	2026-010128
Transaction Type	Transfer
Record Updated	Mar 31, 2026

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	651 STETSON ST, MOSS BEACH, CA 94038-9654

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Apr 7, 2022
Property Address	651 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000029753
Map Reference	MB 6 PG 8
Instrument Date	Mar 30, 2022
Instrument	2022-029753
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC 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	Community Property with Right of Survivorship
Address	651 STETSON ST, MOSS BEACH, CA 94038

Mortgage

Document Number	0000029754
Date	Apr 7, 2022
Instrument	2022-029754

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 28, 2021
Property Address	651 STETSON ST, MOSS BEACH, CA 94038
Document Number	0000097718
Map Reference	MB 6 PG 8
Instrument Date	Jun 24, 2021
Instrument	2021-097718
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,340.90
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	651 STETSON ST, MOSS BEACH, CA 94038

Tax Assessment & Valuation

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		$1,798,000 (+36.27%) Land $888,000 Building $910,000
2025	$18,174.00 (+7.03%)	$1,319,483 (+4.04%) Land $870,274 Building $449,209
2024	$16,980.00 (+2.65%)
2023	$16,541.00 (+1.3%)	$1,268,247 Land $836,481 Building $431,766	$1,600,380
2022	$16,329.00

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
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

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	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	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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