865 Vista Montara Cir, Pacifica, CA 94044 Property Records

San Mateo County property record for 865 Vista Montara Cir, Pacifica, CA 94044

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,497 sqft · built 1985
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,225,000 (Aug 2018)
Tax Bill	$15,640 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`115-160-050`

Property Details

APN / Parcel Number

Primary APN	`115-160-050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	18 Units
Stories	2 Stories
Building Area	1,497 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Lot Area	4,000 sqft (0.092 acres)

Location & Zoning

Street Address	865 VISTA MONTARA CIR
City	PACIFICA
State	CA
Zip	94044-4166
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R10000
Legal Description	UNIT 5 VISTA MONTARA RSM 112/53-56
Legal Subdivision	VISTA MONTARA
Jurisdiction	SAN MATEO CA
Township / Civil Division	SOUTH SAN FRANCISCO
Census Block Group	1
Census Block	1008
Census Tract	603200

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	865 VISTA MONTARA CIR, PACIFICA, CA 94044-4166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Aug 17, 2018	Grant Deed, Transfer · ARM FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Feb 22, 1995 · Amount on Record
Deed Document Number	201864669
Prior Transfer Date	Dec 27, 2013
Prior Transfer Doc	0000001429
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	865 VISTA MONTARA CIR, PACIFICA, CA 94044-4166
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 VISTA MONTARA CIR, PACIFICA, CA 94044-4166

Mortgage

Document Number	0000025041
Date	Feb 12, 2021
Instrument	2021-025041

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

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

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Aug 17, 2018
Property Address	865 VISTA MONTARA CIR, PACIFICA, CA 94044-4166
Document Number	0000064669
Map Reference	MB112 PG53-56
Instrument Date	Aug 11, 2018
Instrument	2018-064669
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	865 VISTA MONTARA CIR, PACIFICA, CA 94044-4166

Mortgage

Document Number	0000064670
Date	Aug 17, 2018
Instrument	2018-064670

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.95%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.65%
Max Rate At Change	10.9%
Index	1-Year LIBOR

Tax Assessment & Valuation

Source: San Mateo County assessment roll, as of July 15, 2026

Property Jurisdictions

Type	Name
State	California
County	San Mateo County
Municipality	Pacifica City
Secondary School District	Jefferson Union High School District (09 - 12)
Elementary School District	Pacifica School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,393,835 (+20.78%) Land $426,683 Building $967,152
2025	$15,640.00 (-4.41%) Homeowner's exemption	$1,154,000 (-12.14%) Land $353,000 Building $801,000
2023	$16,361.00 (+6.58%) Homeowner's exemption	$1,313,445 Land $402,074 Building $911,371	$1,091,610
2022	$15,351.00

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

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 40% of the US · lower than 76% of California
Wildfire Likelihood	0.06% 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	NORTH COAST COUNTY WATER DIST serves 38,546 people · EPA ID CA4110025
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Unwired.

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