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ActiveMulti-Family

$1,290,000

220 Main St, Half Moon Bay 94019

Beds5
Baths3
Sqft3,090
DOM113
No Photos Available

AddressIntel AI Briefing

A deep value-add renovation or teardown-and-mansionize play is highly compelling due to the discounted asking price relative to potential ARV. Traditional density levers like SB 9 are not applicable here, meaning a focus on single-family luxury maximization is the optimal path.

Property Permit History

No permit history found directly associated with this property's address.

Recent Neighborhood Remodeling (Half Moon Bay)

Parcel & Zoning Info

APN056240100
Official Lot Sqft8,518
Zoning CodeNO DATA ASSIGNED
SB 9 StatusN/A

Seller Motivation

Motivation Score30/100
Some motivation
90+ days on market

Inferred from days on market and listing-description language (e.g. "as-is", "estate sale", "motivated seller"). A screening heuristic for likely negotiability, not a statement about the seller's circumstances.

Hazard Snapshot

Flood Zone

X
Area of minimal flood hazard.

Fire Severity

High
Elevated fire risk; impacts insurance cost and building materials.

Liquefaction

Yes
In a mapped liquefaction zone. May require specialized foundation engineering.

Fault Zone

No
Not in a mapped Alquist-Priolo fault zone.

Not a substitute for a Natural Hazard Disclosure (NHD) report. Zones reflect available GIS data and may not cover all localities. Liquefaction and fault flags: modified from California Geological Survey, Web Service of Official Maps of Alquist-Priolo Earthquake Fault Zones and Web Service of Official Maps of Seismic Hazard Zones (2025).

Nearby Public Schools

Elementary School

Alvin S. Hatch Elementary

Cabrillo Unified

0.4 miles away
Middle School

Manuel F. Cunha Intermediate

Cabrillo Unified

0.4 miles away
High School

Pilarcitos Alternative High (Continuation)

Cabrillo Unified

0.4 miles away

School boundaries are subject to change. Nearest school distance does not guarantee enrollment eligibility. Check with the local district. Data provided by CDE.

Proprietary Intelligence

Market Heat Index

30/100

Based on recent sales velocity and local demand in 94019.

Flippability Score

80/100

Measures neighborhood renovation density vs. recent permits on this property.

Bidding War Prob.

1%

Likelihood of multiple offers based on local list-to-sale ratios and DOM.

Proforma ROI Calculator

Back-of-the-napkin deal analysis across development strategies.

Median of 3 recent multi-family sales in Half Moon Bay (94019): $499/sqft, plus 5% because new houses sold at a median 1.07x their comps across 239 real rebuilds. Sized within 25% of the 4,600 sqft build, because smaller houses sell for more per foot and pricing a rebuild off them overstates resale.

Commission, transfer tax and closing. Deducted from resale before profit, so the ROI below is net of the exit rather than gross.

Interest on the purchase price for the whole project plus half the build budget, since construction draws ramp up. The default is 7% over 33 months, the median purchase-to-sale time of 239 real Peninsula and South Bay rebuilds. Set the rate to 0 for a cash purchase, or use your own lender's terms.

Hard Costs$2,530,000
New Build4,600 sqft
Total Capital Required$3,995,000
Estimated Resale (ARV)$2,410,400
Cost of Sale (5%)-$120,520
Carry (33mo @ 7%)-$508,681
Net Proceeds$1,781,199

Projected Profit

-$2,213,801
-55.4% ROI

Warning: Project is mathematically underwater.

Recent Comparables (Half Moon Bay 94019)

Sized to the modelled 4,600 sqft build: sales within 25% of it. Smaller houses sell for more per foot, so pricing a rebuild off them overstates resale.

579 Filbert St

Sold
$1,830,000
Sold: 2026-05-20
Lot: 7,353
Sqft: 3670
$/Sqft: $499

457-461 Cypress Ave

Sold
$1,800,000
Sold: 2025-08-14
Lot: 5,001
Sqft: 4860
$/Sqft: $370

601 and 603 Spruce St

Sold
$2,275,000
Sold: 2025-05-16
Lot: 7,353
Sqft: 3851
$/Sqft: $591