970 Ferdinand Ave, El Granada, CA 94018 Property Records

San Mateo County property record for 970 Ferdinand Ave, El Granada, CA 94018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 1970
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Apr 2021)
Tax Bill	$16,795 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`047-114-100`

Property Details

APN / Parcel Number

Primary APN	`047-114-100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	1,720 sqft
Basement Area	790 sqft
Family Room	Family Room

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Basement
Garage Area	790 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	970 FERDINAND AVE
City	EL GRANADA
State	CA
Zip	94018-8116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10006
Legal Description	LOT 3 BLOCK 72 SUB NO 7 OF GRANADA RSM 6/64
Legal Subdivision	SUB NO 7 OF GRANADA
Legal Block	72
Legal Lot Number	3
Jurisdiction	SAN MATEO CA
Township / Civil Division	HALF MOON BAY
Census Block Group	1
Census Block	1018
Census Tract	613502

Owner

Source: San Mateo County records, as of July 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit STANFORD FCU
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 28, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2021 · Amount on Record
Deed Sale	Apr 28, 2021 · Amount on Record
Deed Document Number	202167980
Prior Transfer Date	Jun 10, 2008
Prior Transfer Doc	0000072826
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116
Transaction Type	Mortgage
Record Updated	Sep 9, 2022
Title Company	ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116

Mortgage

Document Number	0000060222
Date	Aug 11, 2022
Instrument	2022-060222

Lender

Name	STANFORD FCU
Type	Credit Union
Address	PALO ALTO, CA 94303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116

Mortgage

Document Number	0000167823
Date	Dec 8, 2021
Instrument	2021-167823

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN MATEO CA
Recording Date	Apr 28, 2021
Property Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116
Document Number	0000067980
Map Reference	MB 6 PG 64
Instrument Date	Apr 2, 2021
Instrument	2021-067980
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116

Mortgage

Document Number	0000067981
Date	Apr 28, 2021
Instrument	2021-067981

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116

Mortgage

Document Number	0000078441
Date	Aug 10, 2020
Instrument	2020-078441

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	666 Months
Due	Feb 21, 2076

Interest

Rate Type	Adjustable Rate
Rate	2.97%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN MATEO CA
Property Address	970 FERDINAND AVE, EL GRANADA, CA 94018-8116
Document Number	0000078442
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	970 FERDINAND AVE EL GRANADA CA 940188116, EL GRANADA, CA 94018-8116

Mortgage

Document Number	0000078442
Date	Aug 10, 2020
Instrument	78442

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	672 Months
Due	Aug 9, 2076

Interest

Rate Type	Adjustable Rate
Rate	2.97%

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		$1,380,096 (+2%) Land $603,929 Building $776,167
2025	$16,795.00 (+11.06%) Homeowner's exemption	$1,353,037 (+4.04%) Land $592,088 Building $760,949
2023	$15,122.00 (+1.98%) Homeowner's exemption	$1,300,499 Land $569,098 Building $731,401	$1,364,580
2022	$14,828.00

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2022 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 45% of the US · lower than 73% of California
Wildfire Likelihood	0.08% 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	COASTSIDE COUNTY WATER DISTRICT serves 19,033 people · EPA ID CA4110011
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	2 ppb (2022–2024) 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 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Cruzio Fixed Wireless	1,000 / 1,000

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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