225 Beach St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 225 Beach St, Morro Bay, CA 93442

Property Summary

Property Type	Motel
Details	26 bd · 25 ba · 8,439 sqft · built 1962
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Last Sale	$5,900,000 (Nov 2022)
Tax Bill	$67,677 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-036-029`

Property Details

APN / Parcel Number

Primary APN	`066-036-029`

Interior

Bedrooms	26 Beds
Full Baths	25 Baths
Total Rooms	28 Rooms
Stories	2 Stories
Building Area	8,439 sqft Gross Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	225 BEACH ST
City	MORRO BAY
State	CA
Zip	93442-2001
Property Category	Commercial
Property Type	Commercial > Retail > Motel
Local Zoning Code	VSC
Legal Description	CY MB TN MORRO BKFLD COL PTN BL 62
Legal Subdivision	BAKERSFIELD COLONY
Legal Block	62
Legal Lot Number	32,33
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1054
Census Tract	10603

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	PO BOX 2011, ESCONDIDO, CA 92033-2011
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · SBA Mortgage BUSINESS FINANCE CAPITAL
Nov 4, 2022	Grant Deed, Transfer · Line of Credit HARVEST COMMUNITY CAPITAL LLC
Jan 30, 2020	Deed of Trust, Mortgage FIRST CAP BK
Jan 31, 2020	Grant Deed, Transfer · Commercial Mortgage 1ST CAPITAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2022 · Amount on Record
Deed Sale	Nov 4, 2022 · Amount on Record
Prior Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	202243758
Prior Transfer Date	Jul 19, 1995
Prior Transfer Doc	0000033825
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	225 BEACH ST, MORRO BAY, CA 93442-2001
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 BEACH ST, MORRO BAY, CA 93442-2001

Mortgage

Document Number	0000043761
Date	Nov 4, 2022
Instrument	2022043761

Lender

Name	BUSINESS FINANCE CAPITAL
Type	Lending Institution
Address	LOS ANGELES, CA 90017

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 4, 2022
Property Address	225 BEACH ST, MORRO BAY, CA 93442-2001
Document Number	0000043758
Map Reference	MB 2 PG 52
Instrument Date	Oct 26, 2022
Instrument	2022043758
Transaction Type	Transfer
Record Updated	Nov 17, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	PO BOX 2011, ESCONDIDO, CA 92033-2011

Mortgage

Document Number	0000043759
Date	Nov 4, 2022
Instrument	2022043759

Lender

Name	HARVEST COMMUNITY CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000043760
Date	Nov 4, 2022
Instrument	2022043760

Lender

Name	HARVEST COMMERCIAL CAPITAL LLC
Type	Non-Lending Institution
Address	93404

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	225 BEACH ST, MORRO BAY, CA 93442-2001
Document Number	0000006647
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	225 BEACH ST MORRO BAY CA 934422001, MORRO BAY, CA 93442-2001

Mortgage

Document Number	0000006647
Date	Feb 10, 2020
Instrument	6647

Lender

Name	FIRST CAP BK
Type	Funding / Finance Company
Address	142 CROSS ST # 130, SAN LUIS OBISPO, CA 93401-7599

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Feb 9, 2032

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 31, 2020
Property Address	225 BEACH ST, MORRO BAY, CA 93442-2001
Document Number	0000005149
Map Reference	MB 2 PG 52
Instrument Date	Jan 17, 2020
Instrument	2020005149
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	225 BEACH ST, MORRO BAY, CA 93442-2001

Mortgage

Document Number	0000005150
Date	Jan 31, 2020
Instrument	2020005150

Lender

Name	1ST CAPITAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000005153
Date	Jan 31, 2020
Instrument	2020005153

Lender

Name	CALIFORNIA STATEWIDE CERTIFIED DEVELOPEM
Type	Non-Lending Institution
Address	DAVIS, CA 95616

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

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		$6,262,290 (+1.99%) Land $2,387,718 Building $3,874,572
2025	$67,677.00 (+1.77%)	$6,140,148 (+4.6%) Land $2,340,900 Building $3,799,248
2024	$66,501.00 (+2.35%)
2023	$64,973.00 (+20.06%)	$5,870,000 Land $2,250,000 Building $3,620,000
2022	$54,115.00

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 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 519 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
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Peak WiFi, Verizon.

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