1365 Hillcrest Dr, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 1365 Hillcrest Dr, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,196 sqft · built 1979
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Last Sale	$565,000 (Nov 2013)
Tax Bill	$8,303 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`068-153-039`

Property Details

APN / Parcel Number

Primary APN	`068-153-039`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,196 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Terrain	Steep
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1365 HILLCREST DR
City	MORRO BAY
State	CA
Zip	93442-1831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CY MB HRBR FRT U 1 BL 4 LT 9
Legal Subdivision	HARBOR FRONT 01
Legal Block	4
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1009
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	1365 HILLCREST DR, MORRO BAY, CA 93442-1831
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Mar 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACTION ONE FINANCIAL CORP
Mar 31, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2013 · Amount on Record
Deed Sale	Nov 20, 2013 · Amount on Record
Prior Sale	Apr 24, 2009 · Amount on Record
Deed Document Number	201364489
Last Transfer Date	Mar 25, 2020
Transfer Doc	0000015704
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1365 HILLCREST DR, MORRO BAY, CA 93442-1831
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020510
Date	Apr 28, 2020
Instrument	2020020510

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1365 HILLCREST DR, MORRO BAY, CA 93442-1831
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	WESTERN RESOURCES TTL & SYN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012175
Date	Mar 11, 2020
Instrument	2020012175

Lender

Name	ACTION ONE FINANCIAL CORP
Type	Mortgage Company
Address	COVINA, CA 91723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 31, 2020
Property Address	1365 HILLCREST DR, MORRO BAY, CA 93442-1831
Document Number	0000015704
Instrument Date	Mar 25, 2020
Instrument	15704
Transaction Type	Transfer
Record Updated	Apr 30, 2020
Title Company	NOT AVAILABLE

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	1365 HILLCREST DR MORRO BAY CA 934421831, MORRO BAY, CA 93442-1831

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1365 HILLCREST DR, MORRO BAY, CA 93442-1831
Document Number	0000017339
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1365 HILLCREST DR MORRO BAY CA 934421831, MORRO BAY, CA 93442-1831

Mortgage

Document Number	0000017339
Date	Apr 20, 2017
Instrument	17339

Lender

Name	BANK OF THE WEST
Type	Bank
Address	HUNTINGTON BEACH, CA 92646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2047

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		$768,392 (+2%) Land $394,047 Building $374,345
2025	$8,303.00 (+1.73%)	$753,326 (+4.04%) Land $386,321 Building $367,005
2024	$8,162.00 (+1.85%)
2023	$8,014.00 (+6.68%)	$724,075 Land $371,321 Building $352,754
2022	$7,512.00

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	High above 70% of the US · above 44% of California
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 102 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
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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