827 Etheldore St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 827 Etheldore St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1985
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Company Names on Record
Tax Bill	$7,900 (2025)
Deeds & Mortgages	Jun 2023 Transfer May 2023 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037-144-220`

Property Details

APN / Parcel Number

Primary APN	`037-144-220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,140 sqft
1st Floor Area	1,740 sqft
Basement Area	400 sqft
Family Room	Family Room

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	827 ETHELDORE ST
City	MOSS BEACH
State	CA
Zip	94038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C10000
Legal Description	LOTS 41 & 42 BLK 71 MOSS BEACH ADD NO 2 RSM 6/11
Legal Subdivision	MOSS BEACH ADD NO 2
Legal Block	71
Legal Lot Number	41,42
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1014
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	PO BOX 3239, MOSS BEACH, CA 94038-3239
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Intrafamily Transfer, Transfer
May 1, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 21, 2023
Transfer Doc	0000030979
Record Updated	Sep 20, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jun 28, 2023
Property Address	827 ETHELDORE ST, MOSS BEACH, CA 94038
Document Number	0000030979
Map Reference	MB 6 PG 11
Instrument Date	Jun 21, 2023
Instrument	2023-030979
Transaction Type	Transfer
Record Updated	Jul 26, 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
Address	PO BOX 3239, MOSS BEACH, CA 94038-3239

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	827 ETHELDORE ST, MOSS BEACH, CA 94038
Transaction Type	Mortgage
Record Updated	May 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	827 ETHELDORE ST, MOSS BEACH, CA 94038

Mortgage

Document Number	0000019614
Date	May 1, 2023
Instrument	2023-019614

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	865 Months
Due	Jun 8, 2095

Interest

Rate Type	Adjustable Rate
Rate	7.05%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12%

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		$467,020 (+2%) Land $233,510 Building $233,510
2025	$7,900.00 (+11.25%) Homeowner's exemption	$457,864 (+4.04%) Land $228,932 Building $228,932
2023	$7,101.00 (+0.95%) Homeowner's exemption	$440,088 (+2%) Land $220,044 Building $220,044	$1,454,850
2022	$7,034.00 Homeowner's exemption	$431,460 Land $215,730 Building $215,730

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

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 329 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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