14595 Morro Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 14595 Morro Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,064 sqft · built 1982
Lot Size	1.63 acres (71,438 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (May 2018)
Tax Bill	$8,317 (2025)
Deeds & Mortgages	Nov 2020 Mortgage May 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051-233-004`

Property Details

APN / Parcel Number

Primary APN	`051-233-004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,064 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Wood
Lot Area	71,438 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	14595 MORRO RD
City	ATASCADERO
State	CA
Zip	93422-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	CY ATAS ATAS COL BL 92 PTN LTS 29 & 30
Legal Subdivision	ATASCADERO COLONY
Legal Block	92
Legal Lot Number	29,30
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2001
Census Tract	13000

Owner

14595 Morro Rd is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	14595 MORRO RD, ATASCADERO, CA 93422-1619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

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

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LENDING INC
May 22, 2018	Grant Deed, Transfer · FHA Mortgage CENTRAL COAST LNDG
Oct 11, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE
Oct 11, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Oct 11, 2017 · Amount on File
Deed Document Number	201820757
Prior Transfer Date	Sep 19, 2017
Prior Transfer Doc	0000045618
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	14595 MORRO RD, ATASCADERO, CA 93422-1619
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14595 MORRO RD, ATASCADERO, CA 93422-1619

Mortgage

Document Number	0000070114
Date	Nov 30, 2020
Instrument	2020070114

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 22, 2018
Property Address	14595 MORRO RD, ATASCADERO, CA 93422-1619
Document Number	0000020757
Instrument Date	Apr 23, 2018
Instrument	20757
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$704.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	14595 MORRO RD ATASCADERO CA 934221619, ATASCADERO, CA 93422-1619

Mortgage

Document Number	20758
Date	May 22, 2018
Instrument	20758

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 11, 2017
Property Address	14595 MORRO RD, ATASCADERO, CA 93422-1619
Document Number	0000045619
Instrument Date	Oct 10, 2017
Instrument	45619
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$627.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	121 PENMAN WAY SAN LUIS OBISPO CA 934051742, SAN LUIS OBISPO, CA 93405-1742

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 11, 2017
Property Address	14595 MORRO RD, ATASCADERO, CA 93422-1619
Document Number	0000045618
Instrument Date	Sep 19, 2017
Instrument	45618
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 14595 Morro Rd was $8,317.

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$742,769 (+2%) Land $348,173 Building $394,596
2025	$8,317.00	$728,206 Land $341,347 Building $386,859
2023	$7,929.00 (+1.25%)	$699,931 Land $328,093 Building $371,838
2022	$7,831.00

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

Flood

FEMA maps place 14595 Morro Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1992.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1992–2023)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 4 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 14595 Morro Rd is very high, ranking above 92% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Very High above 92% of the US · above 77% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Ranch Wifi, Surfnet Communications.

Nearby Properties on Morro Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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