San Luis Obispo County property record for 2252 Emerald Cir, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,506 sqft · built 2001 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,800,000 (Sep 2023) |
| Tax Bill | $21,402 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-388-009 |
| Primary APN | 065-388-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,506 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Wood |
| Lot Area | 7,200 sqft (0.165 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2252 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 54 |
| Legal Subdivision | TRACT 1996 |
| Legal Tract | 1996 |
| Legal Block | 2 |
| Legal Lot Number | 54 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 10506 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2252 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 20, 2023 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2023 · Amount on Record |
| Deed Sale | Sep 20, 2023 · Amount on Record |
| Prior Sale | Sep 27, 2016 · Amount on Record |
| Deed Document Number | 202327640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2252 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | RADIAN TITLE INSURANCE INC |
| Name | Verified Name |
|---|---|
| Address | 2252 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Document Number | 0000027795 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 2025027795 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 20, 2023 |
| Property Address | 2252 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Document Number | 0000027640 |
| Map Reference | MB 17 PG 83 |
| Instrument Date | Aug 28, 2023 |
| Instrument | 2023027640 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 2252 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Document Number | 0000027641 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 2023027641 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,872,720 (+2%) Land $1,040,400 Building $832,320 | |
| 2025 | $21,402.00 (+51.46%) Homeowner's exemption | $1,836,000 (+56.75%) Land $1,020,000 Building $816,000 |
| 2023 | $14,130.00 (+6.07%) Homeowner's exemption | $1,171,290 Land $501,981 Building $669,309 |
| 2022 | $13,321.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 10 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 / 50 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
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