2229 Emerald Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2229 Emerald Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,759 sqft · built 2001
Lot Size	0.167 acres (7,261 sqft)
Owner	Company Name on File
Last Sale	$1,660,000 (Nov 2021)
Tax Bill	$20,659 (2025)
Deeds & Mortgages	Nov 2021 Sale Oct 2017 Reverse Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`065-388-047`

Property Details

APN / Parcel Number

Primary APN	`065-388-047`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,759 sqft Living Area
1st Floor Area	2,759 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	7,261 sqft (0.167 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2229 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 92
Legal Subdivision	TRACT NO 1996
Legal Tract	1996
Legal Block	2
Legal Lot Number	92
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2047
Census Tract	10506

Owner

2229 Emerald Cir is owned by a company that bought it in November 2021.

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	196 N CENTRAL AVE, CAMPBELL, CA 95008-1404
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Oct 16, 2017	Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING
Aug 9, 2019	Deed of Trust, Mortgage FINANCE OF AMERICA REVERSE
Aug 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 6, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 18, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Prior Sale	Aug 18, 2017 · Amount on File
Deed Document Number	202174738
Prior Transfer Date	Aug 1, 2019
Prior Transfer Doc	0000031591
Record Updated	Oct 29, 2026

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 8, 2021
Property Address	2229 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000074738
Map Reference	MB 17 PG 83
Instrument Date	Oct 27, 2021
Instrument	2021074738
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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 Living Trust
Address	196 N CENTRAL AVE, CAMPBELL, CA 95008-1404

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2229 EMERALD CIR, MORRO BAY, CA 93442-1587
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047229
Date	Oct 16, 2017
Instrument	2017047229

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Type Change Date	Nov 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2229 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000033371
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Aug 22, 2019
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 EMERALD CIR MORRO BAY CA 934421587, MORRO BAY, CA 93442-1587

Mortgage

Document Number	0000033371
Date	Aug 15, 2019
Instrument	33371

Lender

Name	FINANCE OF AMERICA REVERSE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 5, 2019
Property Address	2229 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000031591
Instrument Date	Aug 1, 2019
Instrument	31591
Transaction Type	Transfer
Record Updated	Aug 14, 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	Living Trust
Address	2229 EMERALD CIR MORRO BAY CA 934421587, MORRO BAY, CA 93442-1587

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2229 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000047230
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 EMERALD CIR MORRO BAY CA 934421587, MORRO BAY, CA 93442-1587

Mortgage

Document Number	0000047230
Date	Oct 16, 2017
Instrument	47230

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.4%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 18, 2017
Property Address	2229 EMERALD CIR, MORRO BAY, CA 93442-1587
Document Number	0000036832
Instrument Date	Jul 19, 2017
Instrument	36832
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$1,127.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 EMERALD CIR MORRO BAY CA 934421587, MORRO BAY, CA 93442-1587

Tax Assessment & Valuation

The 2025 property tax bill for 2229 Emerald Cir was $20,659.

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		$1,796,835 (+2%) Land $1,028,309 Building $768,526
2025	$20,659.00	$1,761,604 Land $1,008,147 Building $753,457
2023	$19,984.00 (+6.24%)	$1,693,200 Land $969,000 Building $724,200
2022	$18,810.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2229 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

Wildfire risk around 2229 Emerald Cir is low, with a 0.03% annual chance of 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	0.03% 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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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