1199 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 1199 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Residential
Details	3 bd · 3,507 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$1,312,500 (Jul 2023)
Tax Bill	$14,755 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-024-020`

Property Details

APN / Parcel Number

Primary APN	`066-024-020`

Interior

Bedrooms	3 Beds
Stories	2 Stories
Building Area	3,507 sqft Gross Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1197 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2005
Property Category	Residential
Property Type	Residential > Specialized > Other
Local Zoning Code	C1
Legal Description	CY MB ATAS BCH BL 31 LT 60
Legal Subdivision	ATASCADERO BEACH
Legal Block	31
Legal Lot Number	60
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1046
Census Tract	10603

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	Individual Name on Record
Mailing Address	2655 ROSS RD, SAN LUIS OBISPO, CA 93405-7886
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Intrafamily Transfer, Transfer · Commercial Mortgage 1ST CAPITAL BANK
Jul 12, 2023	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jan 22, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE
Aug 1, 2019	Grant Deed, Transfer · Commercial Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2023 · Amount on Record
Deed Sale	Jul 12, 2023 · Amount on Record
Prior Sale	Jan 22, 2021 · Amount on Record
Deed Document Number	202319529
Prior Transfer Date	Jul 10, 2023
Prior Transfer Doc	0000019521
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 12, 2023
Property Address	1199 MAIN ST, MORRO BAY, CA 93442-2005
Document Number	0000019530
Map Reference	MB 3 PG 14
Instrument Date	Jun 21, 2023
Instrument	2023019530
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE CO

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
Address	2655 ROSS RD, SAN LUIS OBISPO, CA 93405-7886

Mortgage

Document Number	0000019531
Date	Jul 12, 2023
Instrument	2023019531

Lender

Name	1ST CAPITAL BANK
Type	Bank
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 12, 2023
Property Address	1199 MAIN ST, MORRO BAY, CA 93442-2005
Document Number	0000019529
Map Reference	MB 3 PG 14
Instrument Date	May 17, 2023
Instrument	2023019529
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	2655 ROSS RD, SAN LUIS OBISPO, CA 93405-7886

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 22, 2021
Property Address	1199 MAIN ST, MORRO BAY, CA 93442-2005
Document Number	0000004933
Instrument Date	Jan 14, 2021
Instrument	4933
Transaction Type	Transfer
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,254.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1199 MAIN ST MORRO BAY CA 934422005, MORRO BAY, CA 93442-2005

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 1, 2019
Property Address	1199 MAIN ST, MORRO BAY, CA 93442-2005
Document Number	0000031092
Map Reference	MB 3 PG 14
Instrument Date	Jul 30, 2019
Instrument	2019031092
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	59 HAWK CREST CT, ROSEVILLE, CA 95678-5716

Mortgage

Document Number	0000031093
Date	Aug 1, 2019
Instrument	2019031093

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,365,525 (+2%) Land $572,220 Building $793,305
2025	$14,755.00 (+12.39%)	$1,338,750 (+12.87%) Land $561,000 Building $777,750
2023	$13,128.00 (+6.69%)	$1,186,056 (+2%) Land $624,240 Building $561,816
2022	$12,305.00	$1,162,800 Land $612,000 Building $550,800

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	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% 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.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures