1291 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 1291 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,004 sqft · built 2018
Lot Size	0.097 acres (4,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$975,000 (Nov 2023)
Tax Bill	$10,961 (2025)
Deeds & Mortgages	Nov 2023 Sale Aug 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`066-023-026`

Property Details

APN / Parcel Number

Primary APN	`066-023-026`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,004 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	4,230 sqft (0.097 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1291 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB ATAS BCH BL 31 PTN LT 41
Legal Subdivision	ATASCADERO BEACH
Legal Block	31
Legal Lot Number	41
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1016
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	2 Individual Names on Record
Mailing Address	1737 S ROEBEN ST, VISALIA, CA 93277-9370
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Grant Deed, Transfer PLACER TITLE COMPANY
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 5, 2022	Re-recorded Document FIRST AMERICAN TITLE COMPANY
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 12, 2022	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Apr 12, 2021	Intrafamily Transfer, Transfer
Aug 29, 2018	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	202334060
Prior Transfer Date	Apr 8, 2021
Prior Transfer Doc	0000027287
Record Updated	Sep 20, 2026

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 13, 2023
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000034060
Map Reference	MB 3 PG 14
Instrument Date	Aug 10, 2023
Instrument	2023034060
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	PLACER TITLE COMPANY

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
Relationship	Joint Tenants
Address	1737 S ROEBEN ST, VISALIA, CA 93277-9370

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1291 MAIN ST, MORRO BAY, CA 93442-2007

Mortgage

Document Number	0000031727
Date	Aug 3, 2022
Instrument	2022031727

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 5, 2022
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000031915
Map Reference	MB 3 PG 14
Instrument Date	Aug 4, 2022
Instrument	2022031915
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1291 MAIN ST, MORRO BAY, CA 93442-2007

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1291 MAIN ST, MORRO BAY, CA 93442-2007

Mortgage

Document Number	0000035113
Date	May 11, 2021
Instrument	2021035113

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 12, 2022
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000028625
Map Reference	MB 3 PG 14
Instrument Date	Jul 11, 2022
Instrument	2022028625
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	1291 MAIN ST, MORRO BAY, CA 93442-2007

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 12, 2021
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000027287
Map Reference	MB 3 PG 14
Instrument Date	Apr 8, 2021
Instrument	2021027287
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	Revocable Trust
Address	1291 MAIN ST, MORRO BAY, CA 93442-2007

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 29, 2018
Property Address	1291 MAIN ST, MORRO BAY, CA 93442-2007
Document Number	0000035773
Map Reference	MB3 PG14
Instrument Date	Aug 2, 2018
Instrument	2018035773
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN 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	7122 N FUSION DR, FRESNO, CA 93711-0135

Mortgage

Document Number	0000035774
Date	Aug 29, 2018
Instrument	2018035774

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

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

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		$1,014,390 (+2%) Land $624,240 Building $390,150
2025	$10,961.00 (+16.93%)	$994,500 (+16.46%) Land $612,000 Building $382,500
2023	$9,374.00 (+6.7%) Homeowner's exemption	$853,927 Land $359,460 Building $494,467
2022	$8,785.00

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 A, within 500 ft
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 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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