220 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 220 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,629 sqft · built 1962
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$590,000 (Dec 2014)
Tax Bill	$8,079 (2025)
Deeds & Mortgages	Sep 2021 Transfer Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-257-008`

Property Details

APN / Parcel Number

Primary APN	`066-257-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,629 sqft Living Area
1st Floor Area	1,629 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	220 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2715
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Description	CY MB MORRO RK PK BL 7 LT 5
Legal Subdivision	CY MB MORRO RK PK
Legal Block	7
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
Census Tract	10602

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	3520 CAMINO SAN GABRIEL, ARROYO GRANDE, CA 93420-6981
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPTIMUM FIRST INC
Apr 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2014 · Amount on Record
Deed Sale	Dec 16, 2014 · Amount on Record
Prior Sale	Jan 6, 2005 · Amount on Record
Deed Document Number	201453211
Last Transfer Date	Aug 4, 2021
Transfer Doc	0000062171
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 9, 2021
Property Address	220 MAIN ST, MORRO BAY, CA 93442-2715
Document Number	0000062171
Map Reference	MB 3 PG 36
Instrument Date	Aug 4, 2021
Instrument	2021062171
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Address	220 MAIN ST, MORRO BAY, CA 93442-2715

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 9, 2021
Property Address	220 MAIN ST, MORRO BAY, CA 93442-2715
Document Number	0000062169
Map Reference	MB 3 PG 36
Instrument Date	Aug 4, 2021
Instrument	2021062169
Transaction Type	Transfer
Record Updated	Sep 21, 2021
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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
Address	220 MAIN ST, MORRO BAY, CA 93442-2715

Mortgage

Document Number	0000062170
Date	Sep 9, 2021
Instrument	2021062170

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 3, 2020
Property Address	220 MAIN ST, MORRO BAY, CA 93442-2715
Document Number	0000016348
Instrument Date	Mar 12, 2020
Instrument	16348
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	220 MAIN ST MORRO BAY CA 934422715, MORRO BAY, CA 93442-2715

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		$747,724 (+2%) Land $429,053 Building $318,671
2025	$8,079.00 (+3.59%)	$733,064 (+4.04%) Land $420,641 Building $312,423
2023	$7,799.00 (+6.69%)	$704,601 Land $404,308 Building $300,293
2022	$7,310.00

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 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 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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