2242 Emerald Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2242 Emerald Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,864 sqft · built 2002
Lot Size	0.165 acres (7,197 sqft)
Owner	Trust Name on File
Last Sale	$1,625,000 (Dec 2020)
Tax Bill	$20,630 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`065-388-004`

Property Details

APN / Parcel Number

Primary APN	`065-388-004`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,864 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Construction Type	Wood
Lot Area	7,197 sqft (0.165 acres)
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	2242 EMERALD CIR
City	MORRO BAY
State	CA
Zip	93442-1588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 1996 LT 49
Legal Subdivision	TRACT 1996
Legal Tract	1996
Legal Lot Number	49
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 assessment roll, as of July 1, 2025

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

Owner of Record	Trust Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	1607 SAINT REGIS DR, SAN JOSE, CA 95124-4837
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Dec 22, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Apr 28, 2015
Deed Document Number	2020076200
Record Updated	Jun 7, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2242 EMERALD CIR, MORRO BAY, CA 93442-1588
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027409
Date	Jun 22, 2017
Instrument	2017027409

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 22, 2020
Property Address	2242 EMERALD CIR, MORRO BAY, CA 93442-1588
Document Number	0000076200
Map Reference	MB 17 PG 83
Instrument Date	Nov 11, 2020
Instrument	2020076200
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	1607 SAINT REGIS DR, SAN JOSE, CA 95124-4837
Investor	Possibly a Property Investor

Mortgage

Document Number	0000076201
Date	Dec 22, 2020
Instrument	2020076201

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$20,630.00 (+3.38%)	$1,758,950 (+4.04%) Land $865,945 Building $893,005
2023	$19,956.00 (+6.25%)	$1,690,650 Land $832,320 Building $858,330
2022	$18,783.00

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 A, within 100 ft
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

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)
Radiate Holdings Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20
Ranch WiFi Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Emerald Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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