193 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 193 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,268 sqft · built 1953
Lot Size	0.772 acres (33,637 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,499,000 (Feb 2026)
Tax Bill	$9,778 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-391-007`

Property Details

APN / Parcel Number

Primary APN	`066-391-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
1st Floor Area	1,268 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Lot Area	33,637 sqft (0.772 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	193 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB T29S R10E PTN SEC 36
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1014
Census Tract	10602

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	2 Individual Names on Record
Mailing Address	590 MAIN ST, MORRO BAY, CA 93442-2250
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY
Feb 27, 2026	Grant Deed, Transfer CHICAGO TITLE COMPANY
May 11, 2022	Deed of Trust, Mortgage · Line of Credit TORRANCE COMMUNITY FCU
Nov 26, 2025	Intrafamily Transfer, Transfer
Apr 11, 2018	Deed of Trust, Mortgage · Line of Credit TORRANCE COMMUNITY FCU
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Deed Document Number	20265817
Prior Transfer Date	Apr 5, 2013
Prior Transfer Doc	0000021018
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 27, 2026
Property Address	193 MAIN ST, MORRO BAY, CA 93442-2712
Document Number	0000005816
Instrument Date	Feb 24, 2026
Instrument	2026005816
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	CHICAGO 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
Relationship	Separate Estate/Property
Address	590 MAIN ST, MORRO BAY, CA 93442-2250

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 27, 2026
Property Address	193 MAIN ST, MORRO BAY, CA 93442-2712
Document Number	0000005817
Instrument Date	Feb 12, 2026
Instrument	2026005817
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	PO BOX 1414, MORRO BAY, CA 93443-1414

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	193 MAIN ST, MORRO BAY, CA 93442-2712
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 MAIN ST, MORRO BAY, CA 93442-2712

Mortgage

Document Number	0000020486
Date	May 11, 2022
Instrument	2022020486

Lender

Name	TORRANCE COMMUNITY FCU
Type	Credit Union
Address	TORRANCE, CA 90501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 26, 2025
Property Address	193 MAIN ST, MORRO BAY, CA 93442-2712
Document Number	0000036572
Instrument Date	Nov 24, 2025
Instrument	2025036572
Transaction Type	Transfer
Record Updated	Jan 6, 2026

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	Separate Estate/Property
Address	590 MAIN ST, MORRO BAY, CA 93442-2250

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	193 MAIN ST, MORRO BAY, CA 93442-2712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014376
Date	Apr 11, 2018
Instrument	2018014376

Lender

Name	TORRANCE COMMUNITY FCU
Type	Credit Union
Address	TORRANCE, CA 90501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 5, 2043

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	193 MAIN ST, MORRO BAY, CA 93442-2712
Document Number	0000013614
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 MAIN ST MORRO BAY CA 934422712, MORRO BAY, CA 93442-2712

Mortgage

Document Number	0000013614
Date	Mar 19, 2020
Instrument	13614

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

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

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		$2,548,980 (+185.08%) Land $2,218,500 Building $330,480
2025	$9,778.00 (+3.64%) Homeowner's exemption	$894,141 (+4.04%) Land $886,174 Building $7,967
2023	$9,435.00 (+6.71%) Homeowner's exemption	$859,422 Land $851,764 Building $7,658
2022	$8,842.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	Low lower than 67% of the US · lower than 81% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 344 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

May also be available: Ranch Wifi, T-Mobile, Verizon.

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