86 Memory Ln, La Honda, CA 94020 Property Records

San Mateo County property record for 86 Memory Ln, La Honda, CA 94020

Property Summary

Property Type	Single Family Home
Lot Size	1.46 acres (63,699 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,014 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Jul 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-170-220`

Property Details

APN / Parcel Number

Primary APN	`083-170-220`

Exterior

Lot Area	63,699 sqft

Location & Zoning

Street Address	86 MEMORY LN
City	LA HONDA
State	CA
Zip	94020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A10S11
Legal Description	PARCEL 3 ASSESSORS MAP NO 3 53
Legal Subdivision	LA HONDA PARK SUBDIVISION #1
Legal Lot Number	23
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	3
Census Block	3012
Census Tract	613800

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	86 MEMORY LN, LA HONDA, CA 94020
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 29, 2018	Deed of Trust, Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	86 MEMORY LN, LA HONDA, CA 94020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095202
Date	Nov 13, 2019
Instrument	2019-095202

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 23, 2018
Property Address	86 MEMORY LN, LA HONDA, CA 94020
Document Number	0000057293
Instrument Date	May 24, 2018
Instrument	57293
Transaction Type	Transfer
Record Updated	Aug 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	86 MEMORY LN LA HONDA CA 94020, LA HONDA, CA 94020

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	86 MEMORY LN, LA HONDA, CA 94020
Document Number	0000025524
Instrument Date	Mar 29, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	86 MEMORY LN LA HONDA CA 94020, LA HONDA, CA 94020

Mortgage

Document Number	0000025524
Date	Apr 5, 2018
Instrument	25524

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

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	La Honda-Pescadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$541,448 (+2%) Land $244,927 Building $296,521
2025	$6,014.00 (+8.38%) Homeowner's exemption	$530,832 (+4.04%) Land $240,125 Building $290,707
2023	$5,549.00 (+1.56%) Homeowner's exemption	$510,220 Land $230,801 Building $279,419	$796,770
2022	$5,464.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	18 (1982–2012)
Claims Outside the SFHA	4 of 18
Most Recent Claim	Dec 2012 · river or lake flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 7 claims Severe Winter Storms, Flooding, Landslides, Mud Flows, Feb 1995 · 2 claims Severe Storms & Flooding, Feb 1986 · 2 claims

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	Moderate above 55% of the US · lower than 67% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	CALIFORNIA WATER SERVICE - BEAR GULCH private · serves 60,382 people · EPA ID CA4110006
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	4 ppb (2022–2024) 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks.

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