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Half Moon Bay : Real Estate Advice

  • All43
  • Local Info10
  • Home Buying16
  • Home Selling0
  • Market Conditions2

Activity 35
Wed Jul 12, 2017
Ernie Pinedo asked:
Sun Jan 17, 2016
Chiang.patty asked:
I'm trying to figure out the "right" price to rent a 2 bed / 2 ba / 2 garage unit in a duplex in a specific neighborhood in Half Moon Bay. Can I access historically published…
0 votes 0 Answers Share Flag
Thu Apr 2, 2015
Hello mickmfcu, sorry you got overlooked for a moment. There is not much available in that zip code at the moment. What are your search perimeters?

Your deciding to buy when you want is your own choice but the longer you wait the more it will cost you. You may not going to find the bargain you may be looking for?

If you figure out what cities/zip codes you are considering, minimum number of bedrooms and the maximum payment/price you are looking to achieve you can be emailed listings to fit your search criteria. Your email address is needed to set you up for the automatic daily updates to study and compare.

The purchase in 94019 zip code start from 429k for 2bd 2ba condo and the single family homes start from 679k for 3bd 2ba home in Half Moon Bay.

You will need to be pre-approved if you decide to buy to be able to meet an agent to view and submit offers on any homes of your choice. Your qualifications will be determined by your credit profile, debt to income ratios, fico scores, home price, loan program and how much you want to invest into the down payment and closing costs.

You may qualify to buy FHA with fico scores between 500-579 with 10% down or minimum 580 fico score may qualify FHA 3.5% down or as low as .5% half percent down payment program. You may consider 3% down conventional from a minimum 620 fico score or even 5% down conventional with NO Mortgage insurance (Lender paid MI). You may qualify for Stated Income Loans from a minimum 700 fico score and assets.

Your fico scores can be raised within 3-4 days in most cases to qualify for programs, rates and terms as necessary. You need to determine what your qualifications are to start from and what options you have to choose from.

It only takes a few dozen questions to qualify, go over your options and email you listings to study and compare. Here are some links to study as well as web reference links to many loan program pages offered...

Sheryl Arndt, Real Estate Broker - Sr. Loan Officer CA only
Veteran & VA/CalVet Loan Specialist
REO & Short Sale Specialist
Credit Repair At No Cost
ALL Loan Programs Available
22+ Years Experience
BRE# 01140252
NMLS# 297251
9am till 5pm by phone Monday thru Saturday, Sundays by appt., EMAIL ANYTIME 24/7 or

If my response was helpful, consider clicking Thank, Link or Best Answer.
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0 votes 2 answers Share Flag
Tue Aug 26, 2014
kathy.corcoran asked:
Sun Aug 3, 2014
LisaMarie Adorno answered:
Half Moon Bay and the many small towns along the coast are definitely a hidden secret worth considering. All of the towns (Montara, Frenchman's Creek, Moss Beach, to name a few) have a special quaintness about them, and have many local Mom and Pop style stores, with commercial grocery stores and fast food chains being primarily in Half Moon Bay.

As for weather, most of the year there are beautiful sunny days, that seem to be getting more frequent with longer lasting seasons. As with most towns on the west side of the Bay Area, the summer months tend to be our foggiest time ( there is something to be said for Mark Twain's statement " the coldest winter ever spent, was a summer in San Francisco"), but by Indian summer (Sept/Oct) the sun is back out and the beach is warm.

Feel free to contact me at (707) 718-4844 for more information on coastal cities or property status.

LisaMarie Adorno, CDPE, MBA
ReMax Gold Realtor
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0 votes 7 answers Share Flag
Fri Feb 28, 2014
Renter123 answered:
Look on Craigslist and/or the HMB Review that comes out every Wednesday.
0 votes 4 answers Share Flag
Fri Feb 28, 2014
Renter123 answered:
0 votes 1 answer Share Flag
Mon Jan 20, 2014
Yes. Are you looking to rent or buy

Alex Greer
Loan Officer
NMLS #1056079

0 votes 1 answer Share Flag
Wed Dec 4, 2013
Tracy Marchese answered:
Just start hitting the phone book, you may have to wait an additional 6 months.
0 votes 3 answers Share Flag
Sat Nov 2, 2013
Ricardo Archila answered:
Yes. I know many people who commute from Halfmoon Bay to Foster City, San Carlos, and other Peninsula cities.
0 votes 2 answers Share Flag
Thu Oct 17, 2013
Karen Tobin answered:
A home on Ocean View with ocean and golf course views will soon be coming on the market - current owner is paying about $950 for space rent. Each time a home is sold, the space rent goes up a bit, so new space rent will probably be just over $1,000. Will have more details soon, let me know if I can help you with any questions. ... more
0 votes 3 answers Share Flag
Thu Oct 17, 2013
David Worden answered:
about 1/2 hour to Sanford. schools are good- my kids were served well. also have a K-8 private school.
0 votes 7 answers Share Flag
Thu Oct 17, 2013
David Worden answered:
not very foggy. sometimes overcast in the late summer when it's extremely hot in the inland areas.
0 votes 3 answers Share Flag
Wed Oct 16, 2013
Radhelix answered:
Really.. Only 30 min? Compared to other similarly affordable areas this seems like a lessor commute.
0 votes 4 answers Share Flag
Mon Aug 5, 2013
John Souerbry answered:
Those requirements will be specific to the site/property and its past and current use. Phase I/Phase II studies are usually subject to a combination of city and county requirements. Initial readings that indicate the presence of soil or ground water contamination could kick-in additional testing requirements on top of those you started with. In other words, I recommend you speak with a licensed environmental engineer who has worked in the jurisdiction where the property is located and have them look at your property and give you a proposal. ... more
0 votes 1 answer Share Flag
Thu Jun 27, 2013
Kirsten Hagen answered:
Once you get to know the areas, you will recognize which lots are buildable now and which are for 'long term investment,' so to speak. Also you will generally know by the price. Currently buildable lots on paved streets with access to water and utilities will be more expensive, of course. And if the seller has been taking steps toward designing the home, obtaining permits, etc., then they will ask more. That may be good for you as a buyer, as part of the effort and time has already been expended and it will take you less time to continue the process and be able to break ground.

As pointed out below, it's best to work with a local agent who knows lots and the building process on the coast. You are welcome to give us a call if you are still looking. If you've found your lot and built your dream coastal home, congratulations!


Kirsten Jaeb
Jaeb Real Estate
... more
0 votes 4 answers Share Flag
Mon Dec 24, 2012
John Arendsen answered:
Glen is spot on. If you have an opportunity to purchase a manufactured home in a resident owned condo conversion, sub division or planned unit development (PUD) in an area like Santa Cruz I'd take a very aggressive look at it.

However, if ti's in a Coop or corporation non profit or for profit I wouldn't touch it. This scenario can be worse than even a rent/lease park/community as you can't refi your home or qualify for a reverse mortgage if or when the need should ever arise. You don't own the dirt. What you own is stock in a corporation which a lender cannot lend on because they cannot calatoralize it with a stock certificate. They can only loan on the real estate which is own by the corp and not the individual.

However, once again just make sure you don't purchase a home that was built before June 15, 1976. This is a PRE HUD home and virtually impossible to finance. Additionally, many pre HUD homes were built using various caustic and carcinogenic chemicals i.e. formaldehyde and asbestos.
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0 votes 4 answers Share Flag
Wed Dec 12, 2012
Tonyp48 answered:
I commute every day to the financial district in SF. If you want to collect your thoughts take the one. If you want to work on the way, take 92 to the 280 for cellphone service.

Commute is easy. Bottlenecks in Pacifica but moves smoothly. My commute is 45 min to Battery and Broadway. ... more
0 votes 3 answers Share Flag
Mon Nov 5, 2012
The Medford Team answered:
First of all, bank owned properties can be occupied by whoever was living there when it was foreclosed ... renters, owners ... or squatters. Or they could be vacant.

Second ... if the listing has the logo for RealtyTrac ...

Then what you are seeing is NOT an actual listing … it is an advertisement for RealtyTrac.

RealtyTrac is a provider of data for distressed homes. This data is used by investors and Realtors to track distressed homes. When you see the RealtyTrac logo, you are not looking at a home that is actually available for you to buy: what you are seeing at is either (1) the notice of default for one of the mortgages on the property in question, (2) a notice of an impending trustee sale or (3) a notice of a completed trustee sale.

RealtyTrac notices can be very deceptive because they usually give loan amounts, not the purchase price or fair market value. When and if this particular property hits the market, it will be at market price for the neighborhood.

Bottom line: RealtyTrac is trying to get you to sign up for their service.

The following links may be helpful:

When Is The Price Not The Price?

It’s Too Good To Be True: REALLY – Top 4 Buyer Myths

If you want to know when these or similar properties will actually hit the market, have a Realtor set you up with an auto-feed that will alert you the moment they become active on the MLS.
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