San Luis Obispo County property record for 2228 Emerald Cir, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,456 sqft · built 1999 |
| Lot Size | 0.221 acres (9,608 sqft) |
| Owner | Company Name on File |
| Last Sale | $397,000 (Nov 1999) |
| Tax Bill | $7,891 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-388-040 |
| Primary APN | 065-388-040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,456 sqft Living Area |
| 1st Floor Area | 2,456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Construction Type | Wood |
| Lot Area | 9,608 sqft (0.221 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2228 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 85 |
| Legal Subdivision | TRACT NUMBER 1996 |
| Legal Tract | 1996 |
| Legal Block | 2 |
| Legal Lot Number | 85 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 10506 |
2228 Emerald Cir is owned by a company that acquired it in August 2012 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2228 EMERALD CIR, MORRO BAY, CA 93442-1587 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 1999 · Amount on File |
| Deed Sale | Nov 24, 1999 · Amount on File |
| Deed Document Number | 199982947 |
| Last Transfer Date | Aug 23, 2012 |
| Transfer Doc | 0000048037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2228 EMERALD CIR, MORRO BAY, CA 93442-1587 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2228 EMERALD CIR, MORRO BAY, CA 93442-1587 |
| Document Number | 0000051950 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020051950 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 2228 Emerald Cir was $7,891 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 | $622,364 (+2%) Land $219,473 Building $402,891 | |
| 2025 | $7,891.00 Homeowner's exemption | $610,162 Land $215,170 Building $394,992 |
| 2023 | $7,657.00 (+5.57%) Homeowner's exemption | $586,470 Land $206,815 Building $379,655 |
| 2022 | $7,253.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2228 Emerald Cir 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 risk around 2228 Emerald Cir 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.
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 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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