2030 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2030 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Commercial
Details	2 bd · 1 ba · 760 sqft · built 1953
Lot Size	0.413 acres (18,000 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Mar 2000)
Tax Bill	$16,741 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`068-281-027`

Property Details

APN / Parcel Number

Primary APN	`068-281-027`
Alternative APN	`068281014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Building Area	760 sqft Gross Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Lot Area	18,000 sqft (0.413 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2030 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-1633
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R4
Legal Description	CY MB TR 47 BL 1 LTS 14,15 & 16
Legal Subdivision	MORRO GARDEN FARMS 47
Legal Tract	47
Legal Block	1
Legal Lot Number	14
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1012
Census Tract	10505

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	2030 MAIN ST, MORRO BAY, CA 93442-1633
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage DUNCAN L OSBORNE ETUX
Aug 25, 2023	Grant Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Aug 17, 2019	Deed of Trust, Mortgage DUNCAN L & JUDITH L OSBORNE
Oct 10, 2018	Deed of Trust, Mortgage FARHAD ZAGHL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2000 · Amount on Record
Deed Sale	Mar 31, 2000 · Amount on Record
Deed Document Number	200017240
Last Transfer Date	May 5, 2000
Transfer Doc	0000050048
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2030 MAIN ST, MORRO BAY, CA 93442-1633
Transaction Type	Mortgage
Record Updated	Sep 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025229
Date	Aug 25, 2023
Instrument	2023025229

Lender

Name	DUNCAN L OSBORNE ETUX
Type	Private Party
Address	1114 STATE ST STE 200, SANTA BARBARA, CA 93101

Agreement

Amount	Amount Recorded

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2023
Property Address	2030 MAIN ST, MORRO BAY, CA 93442-1633
Document Number	0000025223
Map Reference	MB 5 PG 65
Instrument Date	Aug 23, 2023
Instrument	2023025223
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2030 MAIN ST, MORRO BAY, CA 93442-1633

Mortgage

Document Number	0000025224
Date	Aug 25, 2023
Instrument	2023025224

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000025228
Date	Aug 25, 2023
Instrument	2023025228

Lender

Name	DUCAN L OSBORNE
Type	Private Party
Address	462 ARCADIA AVE, MORRO BAY, CA 93442

Agreement

Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2030 MAIN ST, MORRO BAY, CA 93442-1633
Document Number	0000034780
Instrument Date	Aug 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2030 MAIN ST MORRO BAY CA 934421633, MORRO BAY, CA 93442-1633

Mortgage

Document Number	0000034780
Date	Aug 23, 2019
Instrument	34780

Lender

Name	DUNCAN L & JUDITH L OSBORNE

Agreement

Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2030 MAIN ST, MORRO BAY, CA 93442-1633
Document Number	0000043546
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2030 MAIN ST MORRO BAY CA 934421633, MORRO BAY, CA 93442-1633

Mortgage

Document Number	0000043546
Date	Oct 17, 2018
Instrument	43546

Lender

Name	FARHAD ZAGHL
Address	4020 MOORPARK AVE # 117, SAN JOSE, CA 95117-1845

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$1,539,105 (+1.33%) Land $329,201 Building $1,209,904
2025	$16,741.00 (+0.84%)	$1,518,916 (+2.42%) Land $322,747 Building $1,196,169
2024	$16,601.00 (+1.13%)
2023	$16,415.00 (+6.73%)	$1,483,054 Land $310,215 Building $1,172,839
2022	$15,380.00

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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 676 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
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Verizon.

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