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128 Spyglass Ln, Half Moon Bay, CA, 94019

5beds
4baths
4,410sqft
$3,750,000
$850price/sqft
$24,168/moest. monthly cost
$966,720/yrincome needed

About This Home

Nestled in the gated enclave of Ocean Colony, this grand estate pairs architectural elegance with relaxed Half Moon Bay coastal living. Meticulously updated, the home features a curation of Restoration Hardware upgrades, including bespoke lighting and custom window coverings. Soaring vaulted ceilings, a stone entry, hardwood floors, and 3 fireplaces anchor the formal living spaces, flowing into a chef's kitchen with a central island. The upper level boasts soothing ocean views from all westside bedrooms, highlighted by a primary sanctuary with a private fireplace, while a coveted main-floor en-suite is perfect for guests. Outdoors, the private yard is a tropical paradise of mature plants with a covered heated patio for year-round dining. Complete with a 3-car garage with EV charging, this home provides seamless gate access to the beach, coastal trails, the Ritz, championship golf, and Mullins Steakhouse, with easy access to Hwy 92, SFO, SF, the Peninsula, and Santa Cruz.

Getting Around

13
WalkingCar-Dependent
0
TransitVery Limited Transit
67
BikeBikeable

Schools

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab,Crawl Space
  • Roof: Tile

Type & Style

  • Home type: SingleFamily
  • Architectural style: Luxury,Traditional
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,Range Hood,Built In Oven/Range,Refrigerator,Wine Refrigerator
  • Laundry features: In Utility Room

Bathroom

  • Features: PrimaryStallShowers, PrimaryTubwJets, ShowersoverTubs2plus, UpdatedBaths, FullonGroundFloor, PrimaryOversizedTub

Bedroom

  • Features: GroundFloorBedroom, PrimarySuiteRetreat

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: FormalDiningRoom

Family Room

  • Features: SeparateFamilyRoom

Features

  • One Or More Skylights,Vaulted Ceiling(s),Walk-In Closet(s)
  • Flooring: Carpet,Hardwood,Marble,Stone
  • Number of fireplaces: 3
  • Fireplace features: Gas Starter,Wood Burning

Heating & Cooling

  • Heating features: Central Forced Air Gas
  • Cooling features: None

Interior Area

  • Total structure area: 4,410
  • Total interior livable area: 4,410 sqft

Kitchen

  • Features: Countertop_Stone, ExhaustFan, IslandwithSink

Property

Details

  • Parcel number: 066590440
  • Zoning: SFR
  • Special condition: Standard

Features

  • Stories: 2
  • Patio & porch: Balcony/Patio
  • Exterior features: Back Yard,Barbecue
  • Has view: Yes
  • View description: Mountain(s),Ocean
  • Has water view: Yes
  • Water view: Ocean

Lot

  • Lot size: 0.32 Acres

Parking

  • Total spaces: 4
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tsunami
    TsunamiModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Tsunami

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 $18,962$227,544
Home Insurance *$495$5,940
Property Taxes $3,766$45,192
Electricity $945$11,348
Total$24,168$290,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$828,617/yr
40% on housing$725,040/yr
45% on housing$644,480/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

$850This listing

vs Other Active Listings

Avg $/sqft

ZIP 94019$831
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
2026-07-15Listed for sale$3,750,000
2024-03-14Sold$3,400,000
2023-12-01Sold$3,400,000
2023-11-05Pending sale$3,580,000
2023-09-14Listed for sale$3,580,000
2020-08-11Sold$2,655,000
2020-07-15Pending sale$2,595,000
2020-06-17Listed for sale$2,595,000
2011-03-15Sold$1,750,000
2010-12-24Listed for sale$1,800,000
2010-09-28Listing removed$2,500,000
2010-03-14Listed for sale$2,500,000
2005-02-18Sold$2,300,000
2003-07-01Sold$425,000

For Sale by Agent

AgentSoraya Orumchian
BrokerageCompass

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