224 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 224 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,720 sqft · built 1990
Lot Size	0.125 acres (5,435 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Sep 2017)
Tax Bill	$11,287 (2025)
Deeds & Mortgages	Aug 2026 Sale Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-257-016`

Property Details

APN / Parcel Number

Primary APN	`066-257-016`
Alternative APN	`066257003`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,720 sqft Living Area
1st Floor Area	1,720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	5,435 sqft (0.125 acres)
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	224 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO RK PK BL 7 LT 6 & PTN ABD RD
Legal Subdivision	CY MB MORRO RK PK
Legal Block	7
Legal Lot Number	6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
Census Tract	10602

Owner

Source: San Luis Obispo County records, as of September 3, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2320 ELM ST, BAKERSFIELD, CA 93301-3223
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Affidavit, Transfer
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Sep 29, 2017	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Sep 29, 2017	Grant Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Jun 21, 2007 · Amount on Record
Deed Document Number	201743849
Prior Transfer Date	Sep 2, 2009
Prior Transfer Doc	0000052895
Record Updated	Oct 29, 2026

August 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 26, 2026
Property Address	224 MAIN ST, MORRO BAY, CA 93442-2715
Document Number	0000027206
Instrument Date	Aug 20, 2026
Instrument	202627206
Transaction Type	Transfer
Record Updated	Sep 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 ELM ST, BAKERSFIELD, CA 93301-3223

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	224 MAIN ST, MORRO BAY, CA 93442-2715
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	ORANGE COAST TITLE/CA, ORANGE COAST TITLE ONTARIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 ELM ST, BAKERSFIELD, CA 93301-3223

Mortgage

Document Number	0000030064
Date	Apr 22, 2021
Instrument	2021030064

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	224 MAIN ST, MORRO BAY, CA 93442-2715
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE ONTARIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055850
Date	Dec 13, 2019
Instrument	2019055850

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

September 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 29, 2017
Property Address	224 MAIN ST, MORRO BAY, CA 93442-2715
Document Number	0000043848
Instrument Date	Sep 20, 2017
Instrument	43848
Transaction Type	Transfer
Record Updated	Oct 11, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1985 MORRO BAY CA 934431985, MORRO BAY, CA 93443-1985

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 29, 2017
Property Address	224 MAIN ST, MORRO BAY, CA 93442-2715
Document Number	0000043849
Instrument Date	Sep 13, 2017
Instrument	43849
Transaction Type	Transfer
Record Updated	Oct 11, 2017
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2320 ELM ST BAKERSFIELD CA 933013223, BAKERSFIELD, CA 93301-3223

Mortgage

Document Number	43850
Date	Sep 29, 2017
Instrument	43850

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

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		$1,044,520 (+2%) Land $667,333 Building $377,187
2025	$11,287.00 (+3.61%)	$1,024,041 (+4.04%) Land $654,249 Building $369,792
2023	$10,894.00 (+6.69%)	$984,279 Land $628,845 Building $355,434
2022	$10,211.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% 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 344 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

May also be available: Ranch Wifi, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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