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92 Patrick Way, Half Moon Bay, CA, 94019

3beds
3baths
1,580sqft
$1,199,000
$759price/sqft
$7,893/moest. monthly cost
$315,720/yrincome needed

About This Home

This great 3BR/2.5BA Half Moon Bay Townhome in desirable Cypress Cove larger corner unit is flooded with light. Downstairs has an inviting open floorplan with cathedral ceilings: a nice living room with a fireplace and a comfortable dining area leading to a charming outdoor patio. The fully-equipped kitchen is adjacent with a cozy breakfast nook. There is a mezzanine den perfect for an office or hobby room plus 1/2BA. On the next level is a spacious master suite. Upstairs are 2 good-sized bedrooms with a Jack & Jill bathroom. New carpet in bedrooms, seller painted entire inside less than 3 years ago. A big 2 car s/s garage is attached. There is ample closet space throughout. A community picnic and BBQ area and as well as guest parking are great amenities. It is quiet and serene with beautiful trees and greenery, yet centrally located for easy access to downtown, coastal areas, freeways and shopping.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Block
  • Roof: Other

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Other

Family Room

  • Features: Other

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas Log

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total structure area: 1,580
  • Total interior livable area: 1,580 sqft

Property

Details

  • Parcel number: 056481250
  • Zoning: PUD000
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 1,187 sqft

Parking

  • Total spaces: 2
  • Parking features: Assigned,Other
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Drought
    DroughtRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High

How This Home’s Risks Compare

Earthquake
Inland Flooding
Drought
Landslide
Wildfire

FEMA Declared Disasters in San Mateo County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,062$72,744
Home Insurance *$158$1,896
Property Taxes $1,275$15,300
Electricity $398$4,786
Total$7,893$94,716
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$270,617/yr
40% on housing$236,790/yr
45% on housing$210,480/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.1%
7.1%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$759This listing

vs Other Active Listings

Avg $/sqft

ZIP 94019$835
San Mateo County$915

vs Homes Sold Last Month

Median $/sqft

ZIP 94019$821
San Mateo County$1,106

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-13Price change$1,149,000
2026-08-03Price change$1,199,000
2026-07-30Listed for sale$1,250,000
2022-04-05Sold$1,175,000
2022-03-18Pending sale$1,095,000
2022-03-08Listed for sale$1,095,000
2015-08-28Sold$725,000
2010-10-03Listing removed$549,000
2010-09-21Price change$549,000
2010-07-17Price change$559,000
2010-05-18Price change$599,000
2010-03-13Listed for sale$620,000
2009-08-04Listing removed$685,000
2009-01-22Price change$685,000
2008-10-28Price change$719,000
2008-10-18Price change$749,000
2008-10-01Price change$724,000
2008-09-15Listed for sale$749,000
1995-11-14Sold$275,000

For Sale by Agent

Agent M&W Collective
BrokerageOcean Element Real Estate

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