1285 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 1285 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,066 sqft · built 2017
Lot Size	0.097 acres (4,230 sqft)
Owner	Individual Name on File
Last Sale	$950,000 (Jul 2021)
Tax Bill	$11,111 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-023-004`

Property Details

APN / Parcel Number

Primary APN	`066-023-004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	2,066 sqft Living Area

Exterior

Year Built	Built 2017
Construction Type	Wood
Lot Area	4,230 sqft (0.097 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1285 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G0
Legal Description	CY MB ATAS BCH BL 31 PTN LT 43
Legal Subdivision	ATASCADERO BEACH
Legal Block	31
Legal Lot Number	43
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1016
Census Tract	10603

Owner

1285 Main St is owned by an individual who bought it in July 2021.

Source: San Luis Obispo County records, as of September 29, 2025

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1577 BLACKHAWK DR, SUNNYVALE, CA 94087-3343
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Oct 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 9, 2017	Grant Deed FIRST AMERICAN TITLE
Jul 28, 2017	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2021 · Amount on File
Deed Sale	Jul 19, 2021 · Amount on File
Prior Sale	Mar 11, 2020
Deed Document Number	2021050169
Record Updated	Jun 8, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 19, 2021
Property Address	1285 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000050169
Map Reference	MB 3 PG 14
Instrument Date	Jun 11, 2021
Instrument	2021050169
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	PLACER TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	1577 BLACKHAWK DR, SUNNYVALE, CA 94087-3343

Mortgage

Document Number	0000050170
Date	Jul 19, 2021
Instrument	2021050170

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1285 MAIN ST, MORRO BAY, CA 93442-2007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047046
Date	Oct 24, 2019
Instrument	2019047046

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 11, 2020
Property Address	1285 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000012015
Instrument Date	Feb 19, 2020
Instrument	12015
Transaction Type	Transfer
Record Updated	Mar 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3290 CENTRAL AVE ATWATER CA 953019773, ATWATER, CA 95301-9773

November 2017: Grant Deed

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 9, 2017
Property Address	1285 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000051666
Instrument Date	Oct 26, 2017
Instrument	51666
Record Updated	Nov 20, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3290 CENTRAL AVE ATWATER CA 953019773, ATWATER, CA 95301-9773

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 28, 2017
Property Address	1285 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000033440
Map Reference	MB3 PG14
Instrument Date	Jun 23, 2017
Instrument	2017033440
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	3290 CENTRAL AVE, ATWATER, CA 95301-9773

Mortgage

Document Number	0000033441
Date	Jul 28, 2017
Instrument	2017033441

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 1285 Main St was $11,111.

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$11,111.00	$1,008,147 Land $477,543 Building $530,604
2023	$10,725.00 (+6.68%)	$969,000 Land $459,000 Building $510,000
2022	$10,053.00

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

Flood

FEMA maps place 1285 Main 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 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

Wildfire risk around 1285 Main St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% 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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