San Luis Obispo County property record for 2258 Emerald Cir, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,775 sqft · built 2005 |
| Lot Size | 0.161 acres (7,026 sqft) |
| Owner | Company Name on File |
| Tax Bill | $10,873 (2025) |
| Deeds & Mortgages | Oct 2021 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-388-012 |
| Primary APN | 065-388-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,775 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Lot Area | 7,026 sqft (0.161 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2258 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 57 |
| Legal Subdivision | TRACT NO 1996 |
| Legal Tract | 1996 |
| Legal Block | 2 |
| Legal Lot Number | 57 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 10506 |
2258 Emerald Cir is owned by a company that acquired it in August 2016 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2258 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 17, 2016 |
| Transfer Doc | 0000041046 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2258 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2258 EMERALD CIR, MORRO BAY, CA 93442-1588 |
| Document Number | 0000072960 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021072960 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.36% |
| Type Change Date | Dec 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
The 2025 property tax bill for 2258 Emerald Cir was $10,873 with a homeowner's exemption, up 1.5% from the year before.
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 | $898,379 (+2%) Land $296,970 Building $601,409 | |
| 2025 | $10,873.00 (+1.53%) Homeowner's exemption | $880,765 Land $291,148 Building $589,617 |
| 2024 | $10,709.00 (+1.64%) | |
| 2023 | $10,536.00 (+5.87%) Homeowner's exemption | $846,566 Land $279,844 Building $566,722 |
| 2022 | $9,952.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2258 Emerald Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 File 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 risk around 2258 Emerald Cir is low, with a 0.05% annual chance of wildfire.
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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