786 Kelmore St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 786 Kelmore St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,810 sqft · built 1980
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Company Names on Record
Last Sale	$29,000 (Mar 2001)
Tax Bill	$10,578 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Jul 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-095-180`

Property Details

APN / Parcel Number

Primary APN	`037-095-180`
Alternative APN	`037095040`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
1st Floor Area	900 sqft
2nd Floor Area	460 sqft
Basement Area	450 sqft
Family Room	Family Room

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	9,100 sqft (0.209 acres)
Lot Dimensions	100 ft deep x 25 ft wide
View / Lot	Corner
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	786 KELMORE ST
City	MOSS BEACH
State	CA
Zip	94038-9710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 7 8 & 11 BLOCK 36 MOSS BEACH HEIGHTS RSM 6/8
Legal Subdivision	MOSS BEACH HEIGHTS
Legal Block	36
Legal Lot Number	7
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1019
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	786 KELMORE ST, MOSS BEACH, CA 94038-9710
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 9, 2021	Intrafamily Transfer, Transfer
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2001 · Amount on Record
Deed Sale	Mar 13, 2001 · Amount on Record
Prior Sale	Jun 7, 1996 · Amount on Record
Deed Document Number	200131693
Last Transfer Date	Jun 18, 2021
Transfer Doc	0000103799
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	786 KELMORE ST, MOSS BEACH, CA 94038-9710
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 KETMORE ST, MOSS BEACH, CA 94038-9710

Mortgage

Document Number	0000086348
Date	Jun 4, 2021
Instrument	2021-086348

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jul 9, 2021
Property Address	786 KELMORE ST, MOSS BEACH, CA 94038-9710
Document Number	0000103799
Map Reference	MB 6 PG 8
Instrument Date	Jun 18, 2021
Instrument	2021-103799
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	786 KELMORE ST, MOSS BEACH, CA 94038-9710

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	786 KELMORE ST, MOSS BEACH, CA 94038-9710
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 KELMORE ST, MOSS BEACH, CA 94038-9710

Mortgage

Document Number	0000015863
Date	Feb 1, 2021
Instrument	2021-015863

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$690,803 (+2%) Land $298,732 Building $392,071
2025	$10,578.00 (+10.6%)	$677,259 (+4.04%) Land $292,875 Building $384,384
2023	$9,564.00 (+1.76%)	$650,962 Land $281,503 Building $369,459	$1,275,120
2022	$9,399.00

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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