195 Orcas St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 195 Orcas St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,424 sqft · built 1973
Lot Size	0.085 acres (3,720 sqft)
Owner	Company Name on Record
Tax Bill	$8,491 (2025)
Deeds & Mortgages	Nov 2020 Transfer Nov 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`065-107-023`

Property Details

APN / Parcel Number

Primary APN	`065-107-023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	3,720 sqft (0.085 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	195 ORCAS ST
City	MORRO BAY
State	CA
Zip	93442-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 9E LT 13 PTN LT 12 & 14
Legal Subdivision	ATASCADERO BEACH
Legal Block	2
Legal Lot Number	13,12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2013
Census Tract	10506

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	3175 ORCAS WAY, MORRO BAY, CA 93442-3025
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Nov 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2020
Deed Sale	Nov 3, 2020
Prior Sale	Jun 8, 2007 · Amount on Record
Deed Document Number	202063195
Prior Transfer Date	Oct 30, 2020
Prior Transfer Doc	0000063489
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 4, 2020
Property Address	195 ORCAS ST, MORRO BAY, CA 93442-3051
Document Number	0000063489
Instrument Date	Oct 30, 2020
Instrument	63489
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3175 ORCAS WAY MORRO BAY CA 934423025, MORRO BAY, CA 93442-3025

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 3, 2020
Property Address	195 ORCAS ST, MORRO BAY, CA 93442-3051
Document Number	0000063195
Map Reference	MB 2 PG 15
Instrument Date	Oct 30, 2020
Instrument	2020063195
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Joint Tenants
Address	3175 ORCAS WAY, MORRO BAY, CA 93442-3025

Mortgage

Document Number	0000063196
Date	Nov 3, 2020
Instrument	2020063196

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company
Address	VISALIA, CA 93291

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 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		$785,771 (+2%) Land $546,624 Building $239,147
2025	$8,491.00 (+3.61%)	$770,364 (+4.04%) Land $535,906 Building $234,458
2023	$8,195.00 (+6.68%)	$740,452 Land $515,098 Building $225,354
2022	$7,682.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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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