184 Rennell St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 184 Rennell St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,398 sqft · built 1965
Lot Size	0.099 acres (4,320 sqft)
Owner	Individual Name on Record
Tax Bill	$4,762 (2025)
Deeds & Mortgages	Dec 2022 Reverse Mortgage Oct 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-105-044`

Property Details

APN / Parcel Number

Primary APN	`065-105-044`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,398 sqft Living Area
1st Floor Area	1,398 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Lot Area	4,320 sqft (0.099 acres)
Lot Dimensions	85 ft deep x 72 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	184 RENNELL ST
City	MORRO BAY
State	CA
Zip	93442-3030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB ATAS BCH PTN BL 9C
Legal Subdivision	ATASCADERO BEACH
Legal Block	2
Legal Lot Number	10-12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2009
Census Tract	10506

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	Individual Name on Record
Mailing Address	184 RENNELL ST, MORRO BAY, CA 93442-3030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Oct 21, 2021	Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP
Dec 18, 2019	Intrafamily Transfer, Transfer · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 15, 2019
Transfer Doc	0000056801
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	184 RENNELL ST, MORRO BAY, CA 93442-3030
Transaction Type	Mortgage
Record Updated	Jan 23, 2023
Title Company	FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 RENNELL ST, MORRO BAY, CA 93442-3030

Mortgage

Document Number	0000048900
Date	Dec 21, 2022
Instrument	2022048900

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Nov 30, 2098

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	184 RENNELL ST, MORRO BAY, CA 93442-3030
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 RENNELL ST, MORRO BAY, CA 93442-3030

Mortgage

Document Number	0000071381
Date	Oct 21, 2021
Instrument	2021071381

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	926 Months
Due	Nov 30, 2098

Interest

Rate Type	Adjustable Rate
Rate	1.84%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year CMT

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 18, 2019
Property Address	184 RENNELL ST, MORRO BAY, CA 93442-3030
Document Number	0000056801
Map Reference	MB 2 PG 15
Instrument Date	Nov 15, 2019
Instrument	2019056801
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER 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	184 RENNELL ST, MORRO BAY, CA 93442-3030

Mortgage

Document Number	0000056802
Date	Dec 18, 2019
Instrument	2019056802

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.02%
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

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		$447,856 (+2%) Land $262,568 Building $185,288
2025	$4,762.00 (+3.68%) Homeowner's exemption	$439,075 (+4.04%) Land $257,420 Building $181,655
2023	$4,593.00 (+6.71%) Homeowner's exemption	$422,027 Land $247,425 Building $174,602
2022	$4,304.00

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force

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 61% of the US · lower than 63% of California
Wildfire Likelihood	0.2% 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 714 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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