862 Kelmore St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 862 Kelmore St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 600 sqft · built 1949
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on Record
Last Sale	$780,000 (Aug 2020)
Tax Bill	$12,554 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Aug 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`037-145-400`

Property Details

APN / Parcel Number

Primary APN	`037-145-400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	600 sqft Living Area
1st Floor Area	600 sqft
Family Room	Family Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	100 ft deep x 28 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	862 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 32 & THE SELY 3 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	32,33
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1015
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	Individual Name on Record
Mailing Address	419 MAGELLAN AVE, HALF MOON BAY, CA 94019-5107
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2017	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Aug 27, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Aug 27, 2020	Grant Deed, Transfer · Conventional Mortgage THE GOLDEN 1 CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2020 · Amount on Record
Deed Sale	Aug 27, 2020 · Amount on Record
Prior Sale	Nov 28, 2001 · Amount on Record
Deed Document Number	202086568
Prior Transfer Date	Dec 5, 2007
Prior Transfer Doc	0000174789
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	862 KELMORE ST, MOSS BEACH, CA 94038-9725
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011763
Date	Feb 6, 2017
Instrument	2017-011763

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 27, 2020
Property Address	862 KELMORE ST, MOSS BEACH, CA 94038-9725
Document Number	0000086567
Instrument Date	Aug 26, 2020
Instrument	86567
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	862 KELMORE ST MOSS BEACH CA 940389725, MOSS BEACH, CA 94038-9725

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 27, 2020
Property Address	862 KELMORE ST, MOSS BEACH, CA 94038-9725
Document Number	0000086568
Map Reference	MB 6 PG 11
Instrument Date	Aug 13, 2020
Instrument	2020-086568
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 KELMORE ST, MOSS BEACH, CA 94038-9725

Mortgage

Document Number	0000086569
Date	Aug 27, 2020
Instrument	2020-086569

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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		$861,179 (+2%) Land $548,726 Building $312,453
2025	$12,554.00 (+10.34%)	$844,294 (+4.04%) Land $537,967 Building $306,327
2023	$11,378.00 (+1.57%)	$811,511 Land $517,078 Building $294,433	$951,390
2022	$11,202.00

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 64% of the US · lower than 78% of California
Wildfire Likelihood	0.04% 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 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 and 4G LTE (outdoors only)

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