Lucy Gillies
Ocean Element Real Estate
(650) 844-2476
24 Total Sales
5 in Half Moon Bay
$415K - $3.4M Price Range
895 Main St Half Moon Bay, CA 94019
Half Moon Bay AreaEstimated Value: $1,166,434
2
Beds
1
Bath
840
Sq Ft
$1,389/Sq Ft
Est. Value
Highlights
- 1 Fireplace
- Shed
- Level Lot
- Eat-In Kitchen
- Forced Air Heating System
- 1-Story Property
About This Home
As of June 2025This charming cottage is a rare gem nestled in downtown Half Moon Bay, offering a unique blend of residential comfort and commercial opportunity. Situated on a spacious lot, this property is not only a cozy retreat but also a savvy investment. With its commercial-downtown zoning, the possibilities are endless. Whether you're looking to develop multi-unit residences, affordable housing, or maintain it as a quaint cottage, this property provides the flexibility to meet your vision. Imagine creating a vibrant multi-unit community or offering sought-after affordable housing options in this idyllic coastal town. The existing cottage exudes charm and warmth, featuring classic architectural details and a welcoming ambiance. The large lot offers ample space for expansion and creativity, making it an ideal canvas for your real estate aspirations. Don't miss this extraordinary opportunity to own a versatile property in a prime location. Embrace the potential!
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Home Details
Home Type
- Single Family
Year Built
- Built in 1920
Lot Details
- 8,999 Sq Ft Lot
- Back Yard Fenced
- Level Lot
- Zoning described as CD Commercial Downtown
Parking
- 1 Car Garage
- Off-Street Parking
Home Design
- Composition Roof
Interior Spaces
- 840 Sq Ft Home
- 1-Story Property
- 1 Fireplace
- Crawl Space
- Eat-In Kitchen
Bedrooms and Bathrooms
- 2 Bedrooms
- 1 Full Bathroom
Additional Features
- Shed
- 100 SF Accessory Dwelling Unit
- Forced Air Heating System
Listing and Financial Details
- Assessor Parcel Number 056-210-130
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Apr 30, 2025
Closed on
Jun 24, 2025
Sold by
Bought by
Seller's Agent
Kirsten Hagen
Compass
Buyer's Agent
Nate Serdy
Compass
List Price
$1,150,000
Sold Price
$1,200,000
Premium/Discount to List
$50,000
4.35%
Views
12
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
-$33,566
Avg. Annual Appreciation
-2.57%
Original Mortgage
$675,000
Outstanding Balance
$667,888
Interest Rate
6.81%
Mortgage Type
New Conventional
Estimated Equity
$498,546
Purchase Details
Closed on
Jan 19, 2018
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$1,450,000
Interest Rate
3.94%
Mortgage Type
Commercial
Purchase Details
Closed on
Apr 17, 2008
Sold by
Bought by
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$631,000
Interest Rate
6.11%
Mortgage Type
Purchase Money Mortgage
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Half Moon Bay, CA
-
Lucy Gillies
-
Veronica Avelar
Veronica Avelar
RE/MAX Star Properties
(628) 230-4572
33 Total Sales
2 in Half Moon Bay
$725K - $1.3M Price Range
-
Susan Gee Berry
Susan Gee Berry
KW Advisors
(650) 649-6958
51 Total Sales
1 in Half Moon Bay
$2,033,000 Price
-
Sedar S. Juarez
Sedar S. Juarez
Luxe Realty Group
(925) 940-6663
91 Total Sales
1 in Half Moon Bay
$1,700,000 Price
-
Helen Aragoni
Helen Aragoni
Coldwell Banker Realty
(650) 870-9174
36 Total Sales
16 in Half Moon Bay
$170K - $1.2M Price Range
-
Keith Walker
Keith Walker
Responds QuicklyIntero Real Estate Services
(669) 230-1607
148 Total Sales
1 in Half Moon Bay
$2,300,000 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $1,200,000 | Old Republic Title | ||
| $900,000 | Lawyers Title Co | ||
| $651,000 | First American Title Co |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $675,000 | ||
| Previous Owner | $1,450,000 | ||
| Previous Owner | $288,000 | ||
| Previous Owner | $285,000 | ||
| Previous Owner | $631,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 06/30/2025 06/30/25 | Sold | $1,200,000 | +4.3% | $1,429 / Sq Ft |
| 05/10/2025 05/10/25 | Pending | -- | -- | -- |
| 04/30/2025 04/30/25 | For Sale | $1,150,000 | -- | $1,369 / Sq Ft |
Source: MLSListings
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| 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 | $12,673 | $1,024,043 | $568,913 | $455,130 |
| 2023 | $12,673 | $984,279 | $546,822 | $437,457 |
| 2022 | $11,892 | $964,980 | $536,100 | $428,880 |
| 2021 | $11,574 | $946,060 | $525,589 | $420,471 |
| 2020 | $11,466 | $936,360 | $520,200 | $416,160 |
| 2019 | $11,323 | $918,000 | $510,000 | $408,000 |
| 2018 | $9,643 | $816,000 | $459,000 | $357,000 |
| 2017 | $8,854 | $736,780 | $368,390 | $368,390 |
| 2016 | $8,749 | $722,334 | $361,167 | $361,167 |
| 2015 | $8,155 | $675,000 | $337,500 | $337,500 |
| 2014 | $8,044 | $636,000 | $318,000 | $318,000 |
Source: Public Records
Agents Affiliated with this Home
-
Kirsten Hagen
Seller's Agent in 2025
Kirsten Hagen
Compass
(650) 504-1469
52 Total Sales
-
Nate Serdy
Buyer's Agent in 2025
Nate Serdy
Compass
(650) 440-9510
80 Total Sales
-
Cristina Dagdagan
Buyer's Agent in 2025
Cristina Dagdagan
HomeSmart Realty West
(760) 672-5257
40 Total Sales
Map
Source: MLSListings
MLS Number: ML82002689
APN: 056-210-130
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