940 Wave Ave, Moss Beach, CA 94038 Property Records

San Mateo County property record for 940 Wave Ave, Moss Beach, CA 94038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1975
Lot Size	0.11 acres (4,779 sqft)
Owner	2 Company Names on Record
Last Sale	$420,000 (Jun 1999)
Tax Bill	$10,074 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`037-152-220`

Property Details

APN / Parcel Number

Primary APN	`037-152-220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,290 sqft
2nd Floor Area	450 sqft
Basement Area	390 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	4,779 sqft (0.11 acres)
Lot Dimensions	101 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	390 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	940 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 19 & 20 BLK 8 MARINE VIEW TERRACE RESUB RSM 5/39
Legal Subdivision	MARINE VIEW TERRACE RESUB
Legal Block	8
Legal Lot Number	19,20
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1007
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	2 Company Names on Record
Mailing Address	940 WAVE AVE, MOSS BEACH, CA 94038-9786
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DRAPER & KRAMER MORTGAGE CORP
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Jul 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NETWORK CAPITAL FUNDING CORP
Jul 21, 2020	Quit Claim Deed, Transfer UNISOURCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 1999 · Amount on Record
Deed Sale	Jun 24, 1999 · Amount on Record
Prior Sale	Oct 25, 1994 · Amount on Record
Deed Document Number	1999109002
Last Transfer Date	Jun 9, 2020
Transfer Doc	0000070012
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	940 WAVE AVE, MOSS BEACH, CA 94038
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 395, MOSS BEACH, CA 94038-0395

Mortgage

Document Number	0000078878
Date	Nov 14, 2022
Instrument	2022-078878

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2023

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	940 WAVE AVE, MOSS BEACH, CA 94038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063517
Date	Aug 14, 2018
Instrument	2018-063517

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 26, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN MATEO CA
Recording Date	Jul 21, 2020
Property Address	940 WAVE AVE, MOSS BEACH, CA 94038
Document Number	0000070012
Map Reference	MB 5 PG 39
Instrument Date	Jun 9, 2020
Instrument	2020-070012
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 WAVE AVE, MOSS BEACH, CA 94038

Mortgage

Document Number	0000070013
Date	Jul 21, 2020
Instrument	2020-070013

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN MATEO CA
Recording Date	Jul 21, 2020
Property Address	940 WAVE AVE, MOSS BEACH, CA 94038
Document Number	0000070014
Instrument Date	Jun 9, 2020
Instrument	70014
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	UNISOURCE

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	940 WAVE AVE MOSS BEACH CA 94038, MOSS BEACH, CA 94038

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		$671,590 (+2%) Land $335,795 Building $335,795
2025	$10,074.00 (+10.34%) Homeowner's exemption	$658,422 (+4.04%) Land $329,211 Building $329,211
2023	$9,130.00 (+0.91%) Homeowner's exemption	$632,856 Land $316,428 Building $316,428	$1,265,580
2022	$9,048.00

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

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