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229 Garcia Ave, Half Moon Bay, CA, 94019

4beds
5baths
2,261sqft
$2,600,000
$1,150price/sqft
$16,709/moest. monthly cost
$668,360/yrincome needed

About This Home

Walk, run, ride, wheel to the beach (no car needed) from this spacious 4-bedroom, 3-bathroom residence with 2,876 square feet, including the Legal ADU, (1 bedroom, 1 bath, 750 sq ft) offering ample room for comfortable living. The heart of the home is the exquisite kitchen, featuring high-end amenities such as a six burner WOLF gas range, granite countertops, a double oven, and an island with a sink. It's fully equipped with a dishwasher, exhaust fan, garbage disposal, ice maker, microwave, and refrigerator, making it perfect for culinary enthusiasts. This home is designed with radiant floor heating to provide warmth during cooler months, creating a cozy atmosphere, complemented by a beautiful fireplace. The flooring throughout the house adds to its elegant appeal. Laundry is conveniently located inside the home, ensuring ease and efficiency. The property also includes a 2-car garage for secure vehicle storage. Situated in the Cabrillo Unified School District, this home is ideal for anyone seeking a vibrant community. Don't miss the chance to make this exceptional Half Moon Bay property your new home.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
76
BikeVery Bikeable

Schools

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Concrete Perimeter and Slab
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Cooktop,Dishwasher,Disposal,Range Hood,Ice Maker,Microwave,Double Oven,Refrigerator
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Dining Room

  • Features: BreakfastNook

Family Room

  • Features: NoFamilyRoom

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room

Heating & Cooling

  • Heating features: Other,Radiant Floor
  • Cooling features: None

Interior Area

  • Total structure area: 2,261
  • Total interior livable area: 2,261 sqft

Kitchen

  • Features: Countertop_Granite, IslandwithSink

Property

Details

  • Parcel number: 056104170
  • Zoning: R100B1
  • Special condition: Standard

Features

  • Stories: 2
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 7,500 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage Door Opener
  • 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
    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 $13,147$157,764
Home Insurance *$343$4,116
Property Taxes $2,735$32,820
Electricity $484$5,818
Total$16,709$200,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$572,880/yr
40% on housing$501,270/yr
45% on housing$445,573/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

$1,150This listing

vs Other Active Listings

Avg $/sqft

ZIP 94019$826
San Mateo County$914

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)

No zestimate history available

Price History

DateEventPrice
2026-03-18Price change$2,600,000
2026-02-09Listed for sale$2,700,000
2025-01-25Listing removed$3,150
2025-01-04Listed for rent$3,150
2006-08-29Sold$825,000
2005-04-08Sold$425,000

For Sale by Agent

Agent Plank or Cline, Coldwell Banker Realty
BrokerageColdwell Banker Realty

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