Seller's Agent in 2025
Stephanie Sills
Compass
(650) 678-5707
14 in this area
70 Total Sales
475 4th St Montara, CA 94037
3
Beds
2
Baths
1,100
Sq Ft
5,001
Sq Ft Lot
Highlights
- Fireplace in Primary Bedroom
- Wood Flooring
- Beamed Ceilings
- Vaulted Ceiling
- Granite Countertops
- 2 Car Attached Garage
About This Home
As of July 2025Welcome to 475 4th Street, where coastal living meets everyday adventure! This move-in ready 3-bedroom, 2-bath single-story home offers captivating ocean and mountain views in the heart of Montara. You'll also enjoy easy access to Montara State Beach, McNee Ranch trails, and Farallone View Elementary School. Step into the private, fenced front patio - perfect for sunny afternoons, outdoor dining, and relaxed entertaining. Imagine starting your mornings on the generous deck, coffee in hand, as the sun rises over the Santa Cruz Mountains. Inside, vaulted ceilings with exposed beams, wood floors, and abundant natural light offer a warm and welcoming atmosphere. A dual-sided wood-burning fireplace exudes cozy ambiance in both the living room and the primary suite. This home was recently repainted and re-roofed, ready for its new owners and their next chapter. Whether you're seeking a fantastic vacation retreat, a first home, or the perfect place to downsize, this single-level gem offers comfort, character, and convenience. Live the Montara lifestyle where beach walks, mountain hikes, and small-town charm are just outside your door. Known for its incredibly friendly community and legendary Halloween celebrations, Montara is a place where neighbors become lifelong friends.
Home Details
Home Type
- Single Family
Year Built
- Built in 1972
Lot Details
- 5,001 Sq Ft Lot
- Fenced
- Zoning described as R10006
Parking
- 2 Car Attached Garage
Home Design
- Tar and Gravel Roof
- Composition Roof
- Concrete Perimeter Foundation
Interior Spaces
- 1,100 Sq Ft Home
- 1-Story Property
- Beamed Ceilings
- Vaulted Ceiling
- Wood Burning Fireplace
- Living Room with Fireplace
- Dining Area
- Wood Flooring
- Laundry in Utility Room
Kitchen
- Gas Oven
- Gas Cooktop
- Range Hood
- Granite Countertops
Bedrooms and Bathrooms
- 3 Bedrooms
- Fireplace in Primary Bedroom
- Walk-In Closet
- 2 Full Bathrooms
- Bathtub
Utilities
- Forced Air Heating System
Listing and Financial Details
- Assessor Parcel Number 036-062-120
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 11, 2025
Closed on
Jun 27, 2025
Sold by
Vella Family Trust and Vella Michael A
Bought by
Hubbard Peter George and Hubbard Katie Lynne
Seller's Agent
Stephanie Sills
Compass
Buyer's Agent
Lucy Gillies
Ocean Element Real Estate
List Price
$1,325,000
Sold Price
$1,325,000
Views
11
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$11,415
Avg. Annual Appreciation
-1.72%
Original Mortgage
$807,000
Outstanding Balance
$805,465
Interest Rate
6.25%
Mortgage Type
New Conventional
Estimated Equity
$508,120
Purchase Details
Closed on
Aug 20, 2023
Sold by
Vella Michael A and Vella Lynn R
Bought by
Vella Family Trust and Vella
Purchase Details
Closed on
Jul 6, 2017
Sold by
Kowaleski Cass and Kowaleski Alice V
Bought by
Vella Michael A and Vella Lynn R
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$299,000
Interest Rate
3.94%
Mortgage Type
New Conventional
Purchase Details
Closed on
Jul 21, 2000
Sold by
Kowaleski Cass V and Kowaleski Alice V
Bought by
Kowaleski Cass and Kowaleski Alice
Purchase Details
Closed on
Mar 8, 1996
Sold by
Kowaleski Cass and Kowaleski Alice V
Bought by
Kowaleski Cass and Kowaleski Alice
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$206,000
Interest Rate
7.01%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Nov 2, 1995
Sold by
Kowaleski Cass and Kowaleski Alice V
Bought by
Kowaleski Cass and Kowaleski Alice
Purchase Details
Closed on
Jul 21, 1995
Sold by
Mcpherson Janet Lundy and Mcpherson James Edwin
Bought by
Kowaleski Cass and Kowaleski Alice
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$202,500
Interest Rate
7.62%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Oct 15, 1993
Sold by
Mcpherson James Edwin and Mcpherson Janet Lundy
Bought by
Mcpherson James Edwin and Mcpherson Janet Lundy
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$238,450
Interest Rate
3.75%
Mortgage Type
Purchase Money Mortgage
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Grant Deed | $1,325,000 | Old Republic Title | |
| Grant Deed | -- | None Listed On Document | |
| Grant Deed | $832,500 | Lawyers Title Company | |
| Interfamily Deed Transfer | -- | -- | |
| Interfamily Deed Transfer | -- | Old Republic Title Company | |
| Interfamily Deed Transfer | -- | -- | |
| Grant Deed | $277,000 | Old Republic Title Company | |
| Individual Deed | -- | North American Title Company |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $807,000 | New Conventional | |
| Previous Owner | $299,000 | New Conventional | |
| Previous Owner | $206,000 | Purchase Money Mortgage | |
| Previous Owner | $202,500 | Purchase Money Mortgage | |
| Previous Owner | $238,450 | Purchase Money Mortgage |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 07/08/2025 07/08/25 | Sold | $1,325,000 | 0.0% | $1,205 / Sq Ft |
| 06/12/2025 06/12/25 | Pending | -- | -- | -- |
| 06/11/2025 06/11/25 | For Sale | $1,325,000 | -- | $1,205 / Sq Ft |
Source: MLSListings
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $13,136 | $947,239 | $682,696 | $264,543 |
| 2023 | $13,136 | $910,458 | $656,187 | $254,271 |
| 2022 | $12,396 | $892,607 | $643,321 | $249,286 |
| 2021 | $12,237 | $875,106 | $630,707 | $244,399 |
| 2020 | $12,037 | $866,133 | $624,240 | $241,893 |
| 2019 | $11,503 | $849,150 | $612,000 | $237,150 |
| 2018 | $10,707 | $832,500 | $600,000 | $232,500 |
| 2017 | $5,369 | $396,484 | $198,242 | $198,242 |
| 2016 | $5,308 | $388,710 | $194,355 | $194,355 |
| 2015 | $5,201 | $382,872 | $191,436 | $191,436 |
| 2014 | $5,589 | $375,374 | $187,687 | $187,687 |
Source: Public Records
Agents Affiliated with this Home
-
Stephanie Sills
-
Lucy Gillies
Buyer's Agent in 2025
Lucy Gillies
Ocean Element Real Estate
(650) 208-2063
1 in this area
21 Total Sales
Map
Source: MLSListings
MLS Number: ML82010216
APN: 036-062-120
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