931 Wave Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 931 Wave Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	50 bd · 4.5 ba · 2,920 sqft · built 1980
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Sep 2013)
Tax Bill	$14,649 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`037-154-220`

Property Details

APN / Parcel Number

Primary APN	`037-154-220`
Alternative APN	`037154080`

Interior

Bedrooms	50 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	50 Rooms
Stories	2 Stories
Building Area	2,920 sqft Living Area
1st Floor Area	1,560 sqft
2nd Floor Area	1,360 sqft
Basement Area	410 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 25 ft wide

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	931 WAVE AVE
City	MOSS BEACH
State	CA
Zip	94038-9786
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOTS 18 19 BLOCK 7 MARINE VIEW TERRACE RESUB RSM 5/39
Legal Subdivision	MARINE VIEW TERRACE RESUB
Legal Block	7
Legal Lot Number	18
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1008
Census Tract	613600

Owner

Source: San Mateo County records, as of October 12, 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	PO BOX 712, MOSS BEACH, CA 94038-0712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN MATEO CU
Jun 4, 2018	Grant Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2013 · Amount on Record
Deed Sale	Sep 13, 2013 · Amount on Record
Prior Sale	Dec 3, 2010 · Amount on Record
Deed Document Number	2013133464
Last Transfer Date	Aug 22, 2014
Transfer Doc	0000077812
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	931 WAVE AVE, MOSS BEACH, CA 94038-9786
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047645
Date	May 27, 2020
Instrument	2020-047645

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	931 WAVE AVE, MOSS BEACH, CA 94038-9786
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 712, MOSS BEACH, CA 94038-0712

Mortgage

Document Number	0000142496
Date	Dec 9, 2020
Instrument	2020-142496

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	931 WAVE AVE, MOSS BEACH, CA 94038-9786
Document Number	0000065343
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 712 MOSS BEACH CA 940380712, MOSS BEACH, CA 94038-0712

Mortgage

Document Number	0000065343
Date	Jul 9, 2020
Instrument	65343

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 8, 2045

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jun 4, 2018
Property Address	931 WAVE AVE, MOSS BEACH, CA 94038-9786
Document Number	0000042992
Instrument Date	May 31, 2018
Instrument	42992
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1626 FAIRVIEW ST #A BERKELEY CA 947032320, A, BERKELEY, CA 94703-2320

Mortgage

Document Number	42993
Date	Jun 4, 2018
Instrument	42993

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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		$881,156 (+2%) Land $500,144 Building $381,012
2025	$14,649.00 (+11%) Homeowner's exemption	$863,880 (+4.04%) Land $490,338 Building $373,542
2023	$13,197.00 (+2.13%) Homeowner's exemption	$830,337 Land $471,299 Building $359,038	$1,062,720
2022	$12,922.00

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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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	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 (outdoors only) and 4G LTE

Nearby Properties on Wave Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures