871 Kelmore St, Moss Beach, CA 94038 Property Records

San Mateo County property record for 871 Kelmore St, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1949
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$875,000 (Nov 2020)
Tax Bill	$14,472 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`037-146-100`

Property Details

APN / Parcel Number

Primary APN	`037-146-100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Family Room	Family Room

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	871 KELMORE ST
City	MOSS BEACH
State	CA
Zip	94038-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 32 33 BLOCK 73 MOSS BEACH NO 2
Legal Subdivision	MOSS BEACH NO 2
Legal Block	73
Legal Lot Number	32
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1018
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	871 KELMORE ST, MOSS BEACH, CA 94038-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit SAN MATEO CU
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Nov 24, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 19, 2020	Deed of Trust, Mortgage · Line of Credit GREAT LAKES CU
Apr 27, 2018	Grant Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	2020133502
Prior Transfer Date	Mar 10, 2000
Prior Transfer Doc	0000032548
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725
Transaction Type	Mortgage
Record Updated	Jun 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725

Mortgage

Document Number	0000046118
Date	Jun 7, 2022
Instrument	2022-046118

Lender

Name	SAN MATEO CU
Type	Credit Union
Address	REDWOOD CITY, CA 94063

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059011
Date	Jun 24, 2020
Instrument	2020-059011

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Nov 24, 2020
Property Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725
Document Number	0000133502
Map Reference	MB 6 PG 11
Instrument Date	Nov 17, 2020
Instrument	2020-133502
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725

Mortgage

Document Number	0000133503
Date	Nov 24, 2020
Instrument	2020-133503

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725
Document Number	0000059012
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1948 MIDDLEFIELD RD PALO ALTO CA 943014017, PALO ALTO, CA 94301-4017

Mortgage

Document Number	0000059012
Date	Jun 24, 2020
Instrument	59012

Lender

Name	GREAT LAKES CU
Type	Credit Union
Address	NORTH CHICAGO, IL 60064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 23, 2040

Interest

Rate Type	Adjustable Rate

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Apr 27, 2018
Property Address	871 KELMORE ST, MOSS BEACH, CA 94038-9725
Document Number	0000032712
Map Reference	MB6 PG11
Instrument Date	Apr 13, 2018
Instrument	2018-032712
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	MOSS BEACH, CA 94038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 666, PALO ALTO, CA 94302-0666

Mortgage

Document Number	0000032713
Date	Apr 27, 2018
Instrument	2018-032713

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 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	Cabrillo Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$966,066 (+2%) Land $525,540 Building $440,526
2025	$14,472.00 (+14.23%)	$947,125 (+4.04%) Land $515,236 Building $431,889
2023	$12,669.00 (+2.91%)	$910,349 Land $495,230 Building $415,119	$1,043,460
2022	$12,311.00

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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