112 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 112 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,200 sqft · built 1984
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$925,000 (Oct 2018)
Tax Bill	$11,295 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`065-114-056`

Property Details

APN / Parcel Number

Primary APN	`065-114-056`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,200 sqft Living Area
1st Floor Area	2,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	112 LUZON ST
City	MORRO BAY
State	CA
Zip	93442-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 11D LTS 5,6,& PTN 4 & MIN RTS
Legal Subdivision	ATASCADERO BEACH
Legal Block	2
Legal Lot Number	5,6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10506

Owner

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	112 LUZON ST, MORRO BAY, CA 93442-3018
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Oct 22, 2018	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC
Sep 4, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2018 · Amount on Record
Deed Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	201844198
Prior Transfer Date	Nov 4, 1999
Prior Transfer Doc	0000079078
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	112 LUZON ST, MORRO BAY, CA 93442-3018
Document Number	0000024021
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	112 LUZON ST MORRO BAY CA 934423018, MORRO BAY, CA 93442-3018

Mortgage

Document Number	0000024021
Date	May 18, 2020
Instrument	24021

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	112 LUZON ST, MORRO BAY, CA 93442-3018
Document Number	0000025708
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 10, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	112 LUZON ST MORRO BAY CA 934423018, MORRO BAY, CA 93442-3018

Mortgage

Document Number	0000025708
Date	Jul 2, 2019
Instrument	25708

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 22, 2018
Property Address	112 LUZON ST, MORRO BAY, CA 93442-3018
Document Number	0000044198
Map Reference	MB2 PG15
Instrument Date	Sep 13, 2018
Instrument	2018044198
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	112 LUZON ST, ATASCADERO, CA 93422

Mortgage

Document Number	0000044199
Date	Oct 22, 2018
Instrument	2018044199

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 4, 2018
Property Address	112 LUZON ST, MORRO BAY, CA 93442-3018
Document Number	0000036544
Instrument Date	Aug 20, 2018
Instrument	36544
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	112 LUZON ST MORRO BAY CA 934423018, MORRO BAY, CA 93442-3018

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Municipality	Morro Bay City
Unified School District	San Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,052,486 (+2%) Land $654,249 Building $398,237
2025	$11,295.00 (+3.62%) Homeowner's exemption	$1,031,850 (+4.04%) Land $641,421 Building $390,429
2023	$10,900.00 (+6.71%) Homeowner's exemption	$991,784 Land $616,515 Building $375,269
2022	$10,215.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MORRO BAY PW DEPT - WATER DIVISION serves 10,757 people · EPA ID CA4010011
Water Source	Purchased surface water from CHORRO VALLEY PIPELINE - SLO COUNTY
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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