San Mateo County property record for 686 Kelmore St, Moss Beach, CA 94038
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,250 sqft · built 1953 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $9,835 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-091-320 |
| Primary APN | 037-091-320 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,250 sqft Living Area |
| 1st Floor Area | 1,250 sqft |
| Family Room | Family Room |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| View / Lot | Corner |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 686 KELMORE ST |
|---|---|
| City | MOSS BEACH |
| State | CA |
| Zip | 94038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10006 |
| Legal Description | LOTS 21 THRU 24 BLK 35 MOSS BEACH HEIGHTS RSM 6/8 |
| Legal Subdivision | MOSS BEACH HEIGHTS |
| Legal Block | 35 |
| Legal Lot Number | 21-24 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 613600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 686 KELMORE ST, MOSS BEACH, CA 94038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 2, 1994 |
| Transfer Doc | 0000069598 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 686 KELMORE ST, MOSS BEACH, CA 94038 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 686 KELMORE ST, MOSS BEACH, CA 94038 |
| Document Number | 0000087647 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021-087647 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | CORAOPOLIS, PA 15108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
Source: San Mateo County assessment roll, as of July 15, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Mateo County |
| Unified School District | Cabrillo Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $626,751 (+2%) Land $375,302 Building $251,449 | ||
| 2025 | $9,835.00 (+10.73%) | $614,463 (+4.04%) Land $367,944 Building $246,519 | |
| 2023 | $8,882.00 (+1.83%) | $590,605 Land $353,657 Building $236,948 | $1,256,040 |
| 2022 | $8,722.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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