2198 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2198 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	864 sqft · built 1949
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on File
Tax Bill	$3,390 (2025)
Deeds & Mortgages	Apr 2018 Transfer Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`068-264-029`

Property Details

APN / Parcel Number

Primary APN	`068-264-029`

Interior

Stories	1 Story
Building Area	864 sqft Gross Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2198 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-1634
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	CY MB MORRO DEL MAR SUB 1BL 9 LTS 29 & PTN 30
Legal Subdivision	CY MB MORRO DEL MAR SUB
Legal Block	1
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1012
Census Tract	10505

Owner

2198 Main St, a commercial property, is owned by a company that acquired it in April 2018 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	2198 MAIN ST, MORRO BAY, CA 93442-1634
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Apr 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 10, 2018
Transfer Doc	0000014603
Record Updated	Oct 29, 2026

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 12, 2018
Property Address	2198 MAIN ST, MORRO BAY, CA 93442-1634
Document Number	0000014603
Instrument Date	Apr 10, 2018
Instrument	14603
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2198 MAIN ST MORRO BAY CA 934421634, MORRO BAY, CA 93442-1634

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 12, 2018
Property Address	2198 MAIN ST, MORRO BAY, CA 93442-1634
Document Number	0000009531
Instrument Date	Feb 26, 2018
Instrument	9531
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2198 MAIN ST MORRO BAY CA 934421634, MORRO BAY, CA 93442-1634

Tax Assessment & Valuation

The 2025 property tax bill for 2198 Main St was $3,390 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		$320,878 (+2%) Land $293,789 Building $27,089
2025	$3,390.00 Homeowner's exemption	$314,587 Land $288,029 Building $26,558
2023	$3,269.00 (+6.73%) Homeowner's exemption	$302,374 Land $276,846 Building $25,528
2022	$3,063.00

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

Flood

FEMA maps place 2198 Main St in Zone X, an area of minimal flood risk, within 500 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 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 File 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

Wildfire risk around 2198 Main St is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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 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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