San Luis Obispo County property record for 220 Surf St, Morro Bay, CA 93442
| Property Type | Residential |
|---|---|
| Details | 5 bd · 2 ba · 2,235 sqft · built 1928 |
| Lot Size | 0.102 acres (4,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jan 1999) |
| Tax Bill | $4,324 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-036-009 |
| Primary APN | 066-036-009 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,235 sqft Gross Area |
| 1st Floor Area | 2,235 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Material | Composition Shingle |
| Lot Area | 4,450 sqft (0.102 acres) |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Street Address | 220 SURF ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2056 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Other |
| Local Zoning Code | C2 |
| Legal Description | CY MB TN MORRO BKFLD COL BL 62 LT 23 & 34 |
| Legal Subdivision | BAKERSFIELD COLONY |
| Legal Block | 62 |
| Legal Lot Number | 23 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 10603 |
220 Surf St, a residential property, is owned and occupied by an individual who bought it in January 1999.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 220 SURF ST, MORRO BAY, CA 93442-2056 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 1999 · Amount on File |
| Deed Sale | Jan 14, 1999 · Amount on File |
| Prior Sale | Jun 29, 1994 · Amount on File |
| Deed Document Number | 19992676 |
| Prior Transfer Date | Jan 31, 1994 |
| Prior Transfer Doc | 0000008034 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 220 Surf St was $4,324 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $407,373 (+2%) Land $208,017 Building $199,356 | |
| 2025 | $4,324.00 Homeowner's exemption | $399,387 Land $203,939 Building $195,448 |
| 2023 | $4,171.00 (+6.73%) Homeowner's exemption | $383,880 Land $196,021 Building $187,859 |
| 2022 | $3,908.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 220 Surf St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 15 (1982–2023) |
| Claims Outside the SFHA | 3 of 15 |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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 risk around 220 Surf St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 519 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 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Peak WiFi, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures