221 Dunes St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 221 Dunes St, Morro Bay, CA 93442

Property Summary

Property Type	Multi-Family Dwellings
Details	5 bd · 4 ba · 2,739 sqft · built 1945
Lot Size	0.148 acres (6,466 sqft)
Owner	Company Name on Record
Last Sale	$1,010,000 (Jan 2019)
Tax Bill	$12,418 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-038-002`

Property Details

APN / Parcel Number

Primary APN	`066-038-002`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,739 sqft Living Area
1st Floor Area	1,395 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Multi-Family
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	6,466 sqft (0.148 acres)
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1010 MARKET AVE
City	MORRO BAY
State	CA
Zip	93442-2010
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	CVS
Legal Description	CY MB TN MORRO M & M TR BL 47 LT 13 & 14
Legal Subdivision	LANDS/MARCH & MAALISTER
Legal Block	47
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1044
Census Tract	10603

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	6430 LA SENDA CT, CAMARILLO, CA 93012-9324
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 17, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 25, 2019	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Deed Document Number	20192766
Prior Transfer Date	Jan 31, 1994
Prior Transfer Doc	0000006579
Record Updated	Oct 29, 2026

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 17, 2019
Property Address	221 DUNES ST, MORRO BAY, CA 93442-2166
Document Number	0000039094
Map Reference	MB A PG 159
Instrument Date	Sep 11, 2019
Instrument	2019039094
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE VAN

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	6430 LA SENDA CT, CAMARILLO, CA 93012-9324

Mortgage

Document Number	0000039095
Date	Sep 17, 2019
Instrument	2019039095

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 17, 2019
Property Address	221 DUNES ST, MORRO BAY, CA 93442-2166
Document Number	0000039096
Instrument Date	Sep 10, 2019
Instrument	39096
Transaction Type	Transfer
Record Updated	Sep 26, 2019
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	Revocable Trust
Address	6430 LA SENDA CT CAMARILLO CA 930129324, CAMARILLO, CA 93012-9324

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 25, 2019
Property Address	221 DUNES ST, MORRO BAY, CA 93442-2166
Document Number	0000002766
Instrument Date	Dec 19, 2018
Instrument	2766
Transaction Type	Transfer
Record Updated	Feb 4, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,111.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6430 LA SENDA CT CAMARILLO CA 930129324, CAMARILLO, CA 93012-9324

Mortgage

Document Number	2767
Date	Jan 25, 2019
Instrument	2767

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2049

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		$1,149,202 (+2%) Land $426,683 Building $722,519
2025	$12,418.00 (+3.6%)	$1,126,669 (+4.04%) Land $418,317 Building $708,352
2023	$11,986.00 (+6.68%)	$1,082,921 Land $402,074 Building $680,847
2022	$11,235.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 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.

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