190 Gilbert St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 190 Gilbert St, Morro Bay, CA 93442 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1959
Square Footage	1,068 sqft Living Area
Lot Size	4,800 sqft (0.11 acres)
Occupancy	Owner Occupied
Last Sale	$457,500 (2009)
Tax Bill	$6,431.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`065-133-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,068 sqft Living Area
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1959
Construction Type	Wood Construction
Lot Area	4,800 sqft (0.11 acres)
Parking Spaces	2 Parking Spaces

Utilities and HVAC

Heating System	HVAC Heating
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	190 GILBERT ST
City	MORRO BAY
State	CA
Zip	93442-3140
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	CY MB ATAS BCH BL 13C LTS 7 & 8 LESS MIN RTS
Legal Subdivision	ATASCADERO BEACH
Legal Block	13
Legal Lot Number	7,8 8
Jurisdiction	SAN LUIS OBISPO CA
Minor Civil Division	NORTH COAST
Census Blockgroup	2
Census Block	2028
Census Tract	10506

Owner

Source: San Luis Obispo County records · APN 065-133-020

Assessment roll updated July 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	190 GILBERT ST, MORRO BAY, CA 93442-3140
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 11, 2009 · Amount on Record
Deed Sale	Dec 11, 2009 · Amount on Record
Prior Sale	Sep 16, 2008
Deed Doc Number	2009068317
Record Refreshed	Jun 07, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	190 GILBERT ST, MORRO BAY, CA 93442-3140
Document Number	0000030139
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	190 GILBERT ST MORRO BAY CA 934423140, MORRO BAY, CA 93442-3140

Mortgage

Document Number	0000030139
Date	Jun 19, 2020
Instrument	30139

Lender

Name	NEWFI LNDG
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value
2025	$6,431.00 (+3.64%) Homeowner's exemption	$590,536 (+4.04%) Land $419,509 Building $171,027
2023	$6,205.00 (+6.73%) Homeowner's exemption	$567,607 Land $403,220 Building $164,387
2022	$5,814.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 51% of the US · above 30% of California
Wildfire Likelihood	About 1 in 943 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.