San Mateo County property record for 854 Kelmore St, Moss Beach, CA 94038
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 1,160 sqft · built 1951 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,375,000 (Jun 2025) |
| Tax Bill | $7,495 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-145-390 |
| Primary APN | 037-145-390 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 3 Half Baths |
| Total Rooms | 47 Rooms |
| Building Area | 1,160 sqft Living Area |
| Lot Area | 4,500 sqft (0.103 acres) |
|---|
| Street Address | 854 KELMORE ST |
|---|---|
| City | MOSS BEACH |
| State | CA |
| Zip | 94038-9725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10000 |
| Legal Description | LOT 34 & THE NWLY 22 FT F & R MEAS OF LOT 33 BLK 72 MOSS BEACH ADDN NO 2 RSM 6/11 |
| Legal Subdivision | MOSS BEACH ADDN NO 2 |
| Legal Block | 72 |
| Legal Lot Number | 34,33 |
| Jurisdiction | SAN MATEO CA |
| Township / Civil Division | HALF MOON BAY |
| Census Block Group | 1 |
| Census Block | 1015 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 854 KELMORE ST, MOSS BEACH, CA 94038-9725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2025 · Amount on Record |
| Deed Sale | Jun 5, 2025 · Amount on Record |
| Prior Sale | Sep 19, 1995 · Amount on Record |
| Deed Document Number | 202528505 |
| Prior Transfer Date | Jun 26, 1995 |
| Prior Transfer Doc | 0000066086 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN MATEO CA |
| Property Address | 854 KELMORE ST, MOSS BEACH, CA 94038-9725 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 854 KELMORE ST, MOSS BEACH, CA 94038-9725 |
| Document Number | 0000075239 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 2021-075239 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 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 | $1,402,500 (+231.09%) Land $771,375 Building $631,125 | ||
| 2025 | $7,495.00 (+7.24%) Homeowner's exemption | $423,598 (+4.04%) Land $211,799 Building $211,799 | |
| 2023 | $6,989.00 (+1.14%) Homeowner's exemption | $407,152 Land $203,576 Building $203,576 | $1,297,800 |
| 2022 | $6,910.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
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 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.
5G (outdoors only) and 4G LTE
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