2240 Laurel Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2240 Laurel Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,172 sqft · built 1999
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on Record
Last Sale	$685,000 (Mar 2004)
Tax Bill	$10,657 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-275-020`

Property Details

APN / Parcel Number

Primary APN	`068-275-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,172 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Terrain	Above Road/Slope
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2240 LAUREL AVE
City	MORRO BAY
State	CA
Zip	93442-1716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO DEL MAR 2 BL 28 LT 20
Legal Subdivision	MORRO DEL MAR 02
Legal Block	28
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2001
Census Tract	10505

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	2240 LAUREL AVE, MORRO BAY, CA 93442-1716
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Jul 9, 2020	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Jul 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2004 · Amount on Record
Deed Sale	Mar 3, 2004 · Amount on Record
Prior Sale	Dec 7, 1999 · Amount on Record
Deed Document Number	200416494
Last Transfer Date	Jul 3, 2020
Transfer Doc	0000034614
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2240 LAUREL AVE, MORRO BAY, CA 93442-1716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE ONTARIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2240 LAUREL AVE, MORRO BAY, CA 93442-1716

Mortgage

Document Number	0000053395
Date	Sep 28, 2020
Instrument	2020053395

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 9, 2020
Property Address	2240 LAUREL AVE, MORRO BAY, CA 93442-1716
Document Number	0000034437
Map Reference	MB 3 PG 81
Instrument Date	Jul 3, 2020
Instrument	2020034437
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY 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	Joint Tenants
Address	2240 LAUREL AVE, MORRO BAY, CA 93442-1716

Mortgage

Document Number	0000034438
Date	Jul 9, 2020
Instrument	2020034438

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 10, 2020
Property Address	2240 LAUREL AVE, MORRO BAY, CA 93442-1716
Document Number	0000034614
Instrument Date	Jul 3, 2020
Instrument	34614
Transaction Type	Transfer
Record Updated	Jul 20, 2020
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	2240 LAUREL AVE MORRO BAY CA 934421716, MORRO BAY, CA 93442-1716

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		$993,388 (+2%) Land $507,570 Building $485,818
2025	$10,657.00 (+3.64%) Homeowner's exemption	$973,911 (+4.04%) Land $497,618 Building $476,293
2023	$10,283.00 (+6.7%) Homeowner's exemption	$936,095 Land $478,296 Building $457,799
2022	$9,637.00

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 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	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 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.

Nearby Properties on Laurel Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures