2226 Emerald Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2226 Emerald Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,944 sqft · built 1999
Lot Size	0.183 acres (7,994 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,087,000 (Jul 2019)
Tax Bill	$14,269 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-388-039`

Property Details

APN / Parcel Number

Primary APN	`065-388-039`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Construction Type	Wood
Lot Area	7,994 sqft (0.183 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	2226 EMERALD CIR
City	MORRO BAY
State	CA
Zip	93442-1587
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 1996 LT 84
Legal Subdivision	1996
Legal Tract	1996
Legal Lot Number	84
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2019
Census Tract	10506

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Co-owner	Co-owner on Record
Mailing Address	2226 EMERALD CIR, MORRO BAY, CA 93442-1587
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Jul 12, 2019	Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Aug 1, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	0000027249
Last Transfer Date	Dec 10, 2020
Transfer Doc	0000072800
Record Updated	Jun 7, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 10, 2020
Property Address	2226 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000072800
Map Reference	MB 17 PG 83
Instrument Date	Oct 28, 2020
Instrument	2020072800
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	BOSTON NATIONAL TITLE

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	Family Trust
Address	2226 EMERALD CIR, MORRO BAY, CA 93442-1587

Mortgage

Document Number	0000072801
Date	Dec 10, 2020
Instrument	2020072801

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 12, 2019
Property Address	2226 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000027249
Map Reference	MB 17 PG 83
Instrument Date	Jul 9, 2019
Instrument	2019027249
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2226 EMERALD CIR, MORRO BAY, CA 93442-1587

Mortgage

Document Number	0000027250
Date	Jul 12, 2019
Instrument	2019027250

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 1, 2018
Property Address	2226 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000031819
Instrument Date	Jul 20, 2018
Instrument	31819
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,097.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership
Address	PO BOX 1415 MORRO BAY CA 934431415, MORRO BAY, CA 93443-1415

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$14,269.00 (+3.3%) Homeowner's exemption	$1,188,790 (+4.04%) Land $710,868 Building $477,922
2023	$13,813.00 (+6.07%) Homeowner's exemption	$1,142,629 Land $683,265 Building $459,364
2022	$13,023.00

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 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 in force

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 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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