2281 Emerald Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2281 Emerald Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,687 sqft · built 2001
Lot Size	0.197 acres (8,597 sqft)
Owner	Company Name on File
Last Sale	$1,425,000 (Jun 2019)
Tax Bill	$18,764 (2025)
Deeds & Mortgages	May 2022 Transfer May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-388-024`

Property Details

APN / Parcel Number

Primary APN	`065-388-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,687 sqft Living Area
1st Floor Area	2,687 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	8,597 sqft (0.197 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	2281 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 69
Legal Subdivision	TRACT 1996
Legal Tract	1996
Legal Block	2
Legal Lot Number	69
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2019
Census Tract	10506

Owner

2281 Emerald Cir is owned by a company that acquired it in May 2022.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 95, CLOVIS, CA 93613-0095
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.

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Intrafamily Transfer, Transfer
May 23, 2022	Intrafamily Transfer, Transfer
Jun 24, 2019	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2019 · Amount on File
Deed Sale	Jun 24, 2019 · Amount on File
Prior Sale	Sep 15, 2009 · Amount on File
Deed Document Number	201924170
Last Transfer Date	May 19, 2022
Transfer Doc	0000022000
Record Updated	Sep 20, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 23, 2022
Property Address	2281 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000021999
Map Reference	MB 17 PG 83
Instrument Date	May 19, 2022
Instrument	2022021999
Transaction Type	Transfer
Record Updated	Jun 2, 2022

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	Community Property
Address	PO BOX 95, CLOVIS, CA 93613-0095

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 23, 2022
Property Address	2281 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000022000
Map Reference	MB 17 PG 83
Instrument Date	May 19, 2022
Instrument	2022022000
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 Trust
Address	PO BOX 95, CLOVIS, CA 93613-0095

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 24, 2019
Property Address	2281 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000024170
Map Reference	MB 17 PG 83
Instrument Date	Jun 3, 2019
Instrument	2019024170
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	PO BOX 95, CLOVIS, CA 93613-0095

Mortgage

Document Number	0000024171
Date	Jun 24, 2019
Instrument	2019024171

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 2281 Emerald Cir was $18,764.

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		$1,621,401 (+2%) Land $967,152 Building $654,249
2025	$18,764.00	$1,589,610 Land $948,189 Building $641,421
2023	$18,155.00 (+6.2%)	$1,527,886 Land $911,371 Building $616,515
2022	$17,095.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2281 Emerald Cir in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 2281 Emerald Cir is low, with a 0.03% annual chance of 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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