1165 Morro Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 1165 Morro Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,342 sqft · built 1915
Lot Size	0.303 acres (13,200 sqft)
Owner	Company Name on Record
Tax Bill	$5,988 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-037-008`

Property Details

APN / Parcel Number

Primary APN	`066-037-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,342 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Wood
Lot Area	13,200 sqft (0.303 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	1165 MORRO AVE
City	MORRO BAY
State	CA
Zip	93442-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TN MORRO M & M TR BL 63 LT 8 & 10
Legal Subdivision	LAND/MARCH & MCALIS
Legal Block	63
Legal Lot Number	8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1045
Census Tract	10603

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	1165 MORRO AVE, MORRO BAY, CA 93442-2019
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Jun 15, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 1997
Deed Sale	Mar 27, 1997
Prior Sale	Jan 31, 1997 · Amount on Record
Deed Document Number	199714974
Last Transfer Date	Sep 1, 2005
Transfer Doc	0000075054
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1165 MORRO AVE, MORRO BAY, CA 93442-2019
Document Number	0000030363
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1165 MORRO AVE MORRO BAY CA 934422019, MORRO BAY, CA 93442-2019
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030363
Date	Jun 19, 2020
Instrument	30363

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	852 Months
Due	Jun 18, 2091

Interest

Rate Type	Adjustable Rate
Rate	2.38%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1165 MORRO AVE, MORRO BAY, CA 93442-2019
Document Number	0000030364
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1165 MORRO AVE MORRO BAY CA 934422019, MORRO BAY, CA 93442-2019
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030364
Date	Jun 19, 2020
Instrument	30364

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	852 Months
Due	Jun 18, 2091

Interest

Rate Type	Adjustable Rate
Rate	2.38%

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		$561,303 (+2%) Land $232,555 Building $328,748
2025	$5,988.00 (+3.65%) Homeowner's exemption	$550,298 (+4.04%) Land $227,996 Building $322,302
2023	$5,777.00 (+6.72%) Homeowner's exemption	$528,932 Land $219,144 Building $309,788
2022	$5,413.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% 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 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Peak WiFi, Verizon.

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