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655 Railroad Ave, Half Moon Bay, CA 94019 Property Records

San Mateo County property record for 655 Railroad Ave, Half Moon Bay, CA 94019

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,390 sqft · built 1990
Lot Size0.193 acres (8,396 sqft)
OwnerIndividual Name on File
Last Sale$1,300,000 (Dec 2020)
Tax Bill$17,862 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN056-134-160

Property Details

APN / Parcel Number

Primary APN056-134-160
Alternative APN
  • 056134020

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,390 sqft Living Area
Gross Area1,830 sqft
1st Floor Area1,000 sqft
2nd Floor Area390 sqft
Basement Area440 sqft
Family RoomFamily Room

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Lot Area8,396 sqft (0.193 acres)
Lot Dimensions101 ft deep x 80 ft wide
View / LotCorner
Garage TypeBasement
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemCentral

Location & Zoning

Street Address655 RAILROAD AVE
CityHALF MOON BAY
StateCA
Zip94019-2407
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR10006
Legal DescriptionLOT 2 & 3 BLOCK 7 OCEAN BOULEVARD TRACT NO 2 RSM 4/34 & ADJ PTN 10 ALLEY
Legal SubdivisionOCEAN BOULEVARD TRACT NO 2
Legal Tract2
Legal Block7
Legal Lot Number2,3
JurisdictionSAN MATEO CA
Township / Civil DivisionHALF MOON BAY
Census Block Group1
Census Block1013
Census Tract613701

Owner

655 Railroad Ave is owned and occupied by an individual who bought it in December 2020.

Source: San Mateo County records, as of July 15, 2026

Owner of RecordIndividual Name on File
Mailing Address655 RAILROAD AVE, HALF MOON BAY, CA 94019-2407
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 29, 2020 · Amount on File
Deed SaleDec 29, 2020 · Amount on File
Prior SaleFeb 10, 2005 · Amount on File
Deed Document Number2020153721
Prior Transfer DateFeb 2, 2005
Prior Transfer Doc0000021961
Record UpdatedOct 29, 2026

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN MATEO CA
Recording DateDec 29, 2020
Property Address655 RAILROAD AVE, HALF MOON BAY, CA 94019-2407
Document Number0000153721
Map ReferenceMB A PG 25
Instrument DateDec 15, 2020
Instrument2020-153721
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyCHICAGO TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,430.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address665 RAILROAD AVE, HALF MOON BAY, CA 94019-2407

Mortgage

Document Number0000153722
DateDec 29, 2020
Instrument2020-153722
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 655 Railroad Ave was $17,862 with a homeowner's exemption.

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Mateo County
MunicipalityHalf Moon Bay City
Unified School DistrictCabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,435,303 (+2%) Land $883,263 Building $552,040
2025$17,862.00 Homeowner's exemption$1,407,161 Land $865,945 Building $541,216
2023$16,124.00 (+2.15%) Homeowner's exemption$1,352,520 Land $832,320 Building $520,200$1,330,650
2022$15,785.00

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

Flood

FEMA maps place 655 Railroad Ave 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 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

Wildfire risk around 655 Railroad Ave is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 62% of the US · lower than 77% of California
Wildfire Likelihood0.06% annual chance
ExposureDirect
burnable vegetation

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 SystemCOASTSIDE COUNTY WATER DISTRICT
serves 19,033 people · EPA ID CA4110011
Water SourceSurface water
Last State InspectionJul 2023
Lead2 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 642 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Cruzio
Fixed Wireless		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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