115 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 115 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,225 sqft · built 1964
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on File
Last Sale	$800,000 (Mar 2017)
Tax Bill	$10,156 (2025)
Deeds & Mortgages	Dec 2021 Transfer Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-113-054`

Property Details

APN / Parcel Number

Primary APN	`065-113-054`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,225 sqft Living Area
1st Floor Area	1,225 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
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	115 LUZON ST
City	MORRO BAY
State	CA
Zip	93442-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 11C LT 35 & 36 PTN LT 37
Legal Subdivision	ATASCADERO BEACH
Legal Block	2
Legal Lot Number	36
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10506

Owner

115 Luzon St is owned by a company that bought it in March 2017 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	115 LUZON ST, MORRO BAY, CA 93442-3019
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Intrafamily Transfer, Transfer
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Mar 31, 2017	Grant Deed, Transfer · Conventional Mortgage WESLEND FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Prior Sale	Nov 12, 1997 · Amount on File
Deed Document Number	201714039
Prior Transfer Date	Sep 2, 1994
Prior Transfer Doc	0000054365
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 23, 2021
Property Address	115 LUZON ST, MORRO BAY, CA 93442-3019
Document Number	0000083426
Map Reference	MB 2 PG 15
Instrument Date	Dec 23, 2021
Instrument	2021083426
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	115 LUZON ST, MORRO BAY, CA 93442-3019

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	115 LUZON ST, MORRO BAY, CA 93442-3019
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LUZON STYREET, MORRO BAY, CA 93442-3019

Mortgage

Document Number	0000009503
Date	Feb 8, 2021
Instrument	2021009503

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 31, 2017
Property Address	115 LUZON ST, MORRO BAY, CA 93442-3019
Document Number	0000014039
Map Reference	MB2 PG15
Instrument Date	Jan 19, 2017
Instrument	2017014039
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24326 MISSION BLVD STE 3, 3, HAYWARD, CA 94544-1058

Mortgage

Document Number	0000014040
Date	Mar 31, 2017
Instrument	2017014040

Lender

Name	WESLEND FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 115 Luzon St was $10,156 with a homeowner's exemption.

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		$947,034 (+2%) Land $621,491 Building $325,543
2025	$10,156.00 Homeowner's exemption	$928,465 Land $609,305 Building $319,160
2023	$9,800.00 (+6.71%) Homeowner's exemption	$892,413 Land $585,646 Building $306,767
2022	$9,184.00

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

Flood

FEMA maps place 115 Luzon St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 115 Luzon St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach

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 714 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 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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