2280 Emerald Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2280 Emerald Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,143 sqft · built 2002
Lot Size	0.148 acres (6,426 sqft)
Owner	Company Name on Record
Last Sale	$1,025,000 (Apr 2004)
Tax Bill	$17,228 (2025)
Deeds & Mortgages	Feb 2022 Transfer Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`065-388-068`

Property Details

APN / Parcel Number

Primary APN	`065-388-068`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,143 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Lot Area	6,426 sqft (0.148 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2280 EMERALD CIR
City	MORRO BAY
State	CA
Zip	93442-1589
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 1996 LT 113
Legal Subdivision	TRACT 1996
Legal Tract	1996
Legal Block	2
Legal Lot Number	113
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2048
Census Tract	10506

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	2280 EMERALD CIR, MORRO BAY, CA 93442-1589
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Intrafamily Transfer, Transfer
Mar 14, 2020	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2004 · Amount on Record
Deed Sale	Apr 14, 2004 · Amount on Record
Prior Sale	Feb 1, 2002 · Amount on Record
Deed Document Number	200430217
Last Transfer Date	Feb 1, 2022
Transfer Doc	0000006080
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 8, 2022
Property Address	2280 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000006080
Map Reference	MB 17 PG 83
Instrument Date	Feb 1, 2022
Instrument	2022006080
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Revocable Trust
Address	2280 EMERALD CIR, MORRO BAY, CA 93442-1589

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2280 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000016085
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	TSI ESCROW - CERRITOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2280 EMERALD CIR MORRO BAY CA 934421589, MORRO BAY, CA 93442-1589

Mortgage

Document Number	0000016085
Date	Apr 2, 2020
Instrument	16085

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

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		$1,486,467 (+2%) Land $725,107 Building $761,360
2025	$17,228.00 (+3.35%) Homeowner's exemption	$1,457,322 (+4.04%) Land $710,890 Building $746,432
2023	$16,670.00 (+6.17%) Homeowner's exemption	$1,400,735 Land $683,286 Building $717,449
2022	$15,701.00

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 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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 442 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 / 1,000
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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