86 Madrone Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 86 Madrone Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,597 sqft · built 1985
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Mar 2026)
Tax Bill	$10,608 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Mar 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`037-277-130`

Property Details

APN / Parcel Number

Primary APN	`037-277-130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,597 sqft Living Area
1st Floor Area	757 sqft
2nd Floor Area	840 sqft
Family Room	Family Room

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	503 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	86 MADRONE AVE
City	MOSS BEACH
State	CA
Zip	94038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10000
Legal Description	LOTS 13 & 14 BLK 18 RIVIERA OCEAN VILLA TRACT
Legal Subdivision	RIVIERA OCEAN VILLA TRACT
Legal Block	18
Legal Lot Number	13,14
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	2
Census Block	2017
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 Individual Names on Record
Mailing Address	86 MADRONE AVE, MOSS BEACH, CA 94038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 16, 2026	Grant Deed, Transfer · Conventional Mortgage CAPITOL CITY REAL ESTATE INC
Nov 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 23, 2021	Intrafamily Transfer, Transfer OLD REPUBLIC TITLE COMPANY
Apr 13, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	Feb 27, 2007 · Amount on Record
Deed Document Number	202613056
Prior Transfer Date	Nov 21, 2021
Prior Transfer Doc	0000161830
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	86 MADRONE AVE, MOSS BEACH, CA 94038
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 105, MOSS BEACH, CA 94038-0105

Mortgage

Document Number	0000018919
Date	Apr 27, 2023
Instrument	2023-018919

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	FORT WORTH, TX 76155

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Mar 16, 2026
Property Address	86 MADRONE AVE, MOSS BEACH, CA 94038
Document Number	0000013056
Map Reference	MB 6 PG 20
Instrument Date	Mar 6, 2026
Instrument	2026-013056
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	86 MADRONE AVE, MOSS BEACH, CA 94038

Mortgage

Document Number	0000013059
Date	Mar 16, 2026
Instrument	2026-013059

Lender

Name	CAPITOL CITY REAL ESTATE INC
Type	Mortgage Company

Agreement

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

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Nov 23, 2021
Property Address	86 MADRONE AVE, MOSS BEACH, CA 94038
Document Number	0000161830
Map Reference	MB 6 PG 20
Instrument Date	Nov 21, 2021
Instrument	2021-161830
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	86 MADRONE AVE, MOSS BEACH, CA 94038

Mortgage

Document Number	0000161831
Date	Nov 23, 2021
Instrument	2021-161831

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Nov 23, 2021
Property Address	86 MADRONE AVE, MOSS BEACH, CA 94038
Document Number	0000161832
Map Reference	MB 6 PG 20
Instrument Date	Nov 21, 2021
Instrument	2021-161832
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

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 Living Trust
Address	86 MADRONE AVE, MOSS BEACH, CA 94038

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	86 MADRONE AVE, MOSS BEACH, CA 94038
Document Number	0000030993
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 105 MOSS BEACH CA 940380105, MOSS BEACH, CA 94038-0105

Mortgage

Document Number	0000030993
Date	Apr 24, 2018
Instrument	30993

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$579,442 (+2%) Land $304,678 Building $274,764
2025	$10,608.00 (+11.92%) Homeowner's exemption	$568,082 (+4.04%) Land $298,704 Building $269,378
2024	$9,478.00 (-4.72%)
2023	$9,948.00 (-0.76%) Homeowner's exemption	$546,025 Land $287,106 Building $258,919	$1,021,050
2022	$10,024.00

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.

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	7 in force
Nearby Flood Claims	2 (1998–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Dec 2023 · tidal / storm surge

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 93% of the US · lower than 96% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 128 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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