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

San Mateo County property record for 657 Silver Ave, Half Moon Bay, CA 94019

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,230 sqft · built 1996
Lot Size	0.187 acres (8,159 sqft)
Owner	2 Individual Names on Record
Last Sale	$980,000 (May 2007)
Tax Bill	$16,786 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-085-350`

Property Details

APN / Parcel Number

Primary APN	`056-085-350`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,230 sqft Living Area
Gross Area	2,890 sqft
1st Floor Area	1,280 sqft
2nd Floor Area	950 sqft
Family Room	Family Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	8,159 sqft (0.187 acres)
Lot Dimensions	110 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	657 SILVER AVE
City	HALF MOON BAY
State	CA
Zip	94019-1566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOT H BLK 4 CITY OF HALF MOON BAY OFFICIAL MAP NO 3 RSM 107/34-35
Legal Subdivision	CITY OF HALF MOON BAY
Legal Block	4
Legal Lot Number	H
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2048
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	657 SILVER AVE, HALF MOON BAY, CA 94019-1566
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 26, 2026	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2007 · Amount on Record
Deed Sale	May 7, 2007 · Amount on Record
Prior Sale	Nov 26, 2003 · Amount on Record
Deed Document Number	200770589
Prior Transfer Date	Jun 20, 1994
Prior Transfer Doc	0000109049
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	657 SILVER AVE, HALF MOON BAY, CA 94019-1566
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 SILVER AVE, HALF MOON BAY, CA 94019-1566

Mortgage

Document Number	0000012101
Date	Mar 11, 2026
Instrument	2026-012101

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	57114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Recording Date	May 26, 2026
Property Address	657 SILVER AVE, HALF MOON BAY, CA 94019-1566
Document Number	0000029874
Instrument Date	May 18, 2026
Instrument	202629874
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	657 SILVER AVE, HALF MOON BAY, CA 94019-1566

Mortgage

Document Number	0000029874,
Date	May 26, 2026
Instrument	202629874

Lender

Name	GOLDEN 1 CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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		$1,339,238 (+2%) Land $669,619 Building $669,619
2025	$16,786.00 (+6.21%) Homeowner's exemption	$1,312,980 (+4.04%) Land $656,490 Building $656,490
2024	$15,804.00 (+3.9%)
2023	$15,211.00 (+2.18%)	$1,261,998 Land $630,999 Building $630,999	$1,757,430
2022	$14,886.00

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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