197 Mindoro St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 197 Mindoro St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,237 sqft · built 1959
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Last Sale	$695,000 (Dec 2019)
Tax Bill	$8,300 (2025)
Deeds & Mortgages	Sep 2023 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`065-111-042`

Property Details

APN / Parcel Number

Primary APN	`065-111-042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,237 sqft Living Area
1st Floor Area	1,237 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	7,800 sqft (0.179 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	197 MINDORO ST
City	MORRO BAY
State	CA
Zip	93442-3021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB TR 81 BL 6 LT 8
Legal Subdivision	TRACT NO 81
Legal Tract	81
Legal Block	6
Legal Lot Number	8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2013
Census Tract	10506

Owner

197 Mindoro St is owned and occupied by an individual who acquired it in May 2021.

Source: San Luis Obispo County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	197 MINDORO ST, MORRO BAY, CA 93442-3021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 8, 2023	Deed of Trust, Mortgage · Commercial Mortgage JASON BLANKENSHIP
May 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AHL FUNDING
Jan 3, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 19, 2019	Grant Deed, Transfer · Conventional Mortgage BEST CAPITAL FUNDING
Mar 15, 2017	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2019 · Amount on File
Deed Sale	Dec 19, 2019 · Amount on File
Prior Sale	Mar 15, 2017 · Amount on File
Deed Document Number	201957117
Last Transfer Date	May 14, 2021
Transfer Doc	0000037909
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	197 MINDORO ST, MORRO BAY, CA 93442-3021
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MINDORO ST, MORRO BAY, CA 93442-3021

Mortgage

Document Number	0000026575
Date	Sep 8, 2023
Instrument	2023026575

Lender

Name	JASON BLANKENSHIP
Type	Private Party
Address	PO BOX 2331, PISMO BEACH, CA 93448

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 21, 2021
Property Address	197 MINDORO ST, MORRO BAY, CA 93442-3021
Document Number	0000037909
Map Reference	MB 5 PG 111
Instrument Date	May 14, 2021
Instrument	2021037909
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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	Joint Tenants
Address	197 MINDORO ST, MORRO BAY, CA 93442-3021

Mortgage

Document Number	0000037910
Date	May 21, 2021
Instrument	2021037910

Lender

Name	AHL FUNDING
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0000037913
Date	May 21, 2021
Instrument	2021037913

Lender

Name	USDA
Type	Government Agency
Address	SANTA MARIA, CA 93454

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	80 Months
Due	Jan 1, 2028

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	197 MINDORO ST, MORRO BAY, CA 93442-3021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000284
Date	Jan 3, 2019
Instrument	2019000284

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 19, 2019
Property Address	197 MINDORO ST, MORRO BAY, CA 93442-3021
Document Number	0000057117
Map Reference	MB 5 PG 111
Instrument Date	Nov 25, 2019
Instrument	2019057117
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	197 MINDORO ST, MORRO BAY, CA 93442-3021

Mortgage

Document Number	0000057118
Date	Dec 19, 2019
Instrument	2019057118

Lender

Name	BEST CAPITAL FUNDING
Type	Lending Institution

Agreement

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

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 15, 2017
Property Address	197 MINDORO ST, MORRO BAY, CA 93442-3021
Document Number	0000011493
Map Reference	MB5 PG111
Instrument Date	Feb 17, 2017
Instrument	2017011493
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	Joint Tenants
Address	197 MINDORO ST, MORRO BAY, CA 93442-3021

Mortgage

Document Number	0000011494
Date	Mar 15, 2017
Instrument	2017011494

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 197 Mindoro St was $8,300 with a homeowner's exemption.

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		$775,280 (+2%) Land $541,024 Building $234,256
2025	$8,300.00 Homeowner's exemption	$760,079 Land $530,416 Building $229,663
2023	$8,009.00 (+6.72%) Homeowner's exemption	$730,566 Land $509,820 Building $220,746
2022	$7,505.00

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

Flood

FEMA maps place 197 Mindoro St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 197 Mindoro St is moderate, ranking above 61% of the US, with a 0.2% annual chance of 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.

Nearby Properties on Mindoro St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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