2293 Emerald Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2293 Emerald Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,834 sqft · built 2001
Lot Size	0.276 acres (12,004 sqft)
Owner	Company Name on Record
Last Sale	$962,500 (Feb 2015)
Tax Bill	$13,993 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-388-030`

Property Details

APN / Parcel Number

Primary APN	`065-388-030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,834 sqft Living Area
1st Floor Area	2,834 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	12,004 sqft (0.276 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	2293 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 75
Legal Subdivision	TRACT 1996
Legal Tract	1996
Legal Block	2
Legal Lot Number	75
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2019
Census Tract	10506

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	2293 EMERALD CIR, MORRO BAY, CA 93442-1589
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2015 · Amount on Record
Deed Sale	Feb 25, 2015 · Amount on Record
Prior Sale	Sep 10, 2004 · Amount on Record
Deed Document Number	20157974
Last Transfer Date	Nov 20, 2020
Transfer Doc	0000070892
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2293 EMERALD CIR, MORRO BAY, CA 93442-1589
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2293 EMERALD CIR, MORRO BAY, CA 93442-1589

Mortgage

Document Number	0000006430
Date	Feb 10, 2022
Instrument	2022006430

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 2, 2020
Property Address	2293 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000070893
Instrument Date	Nov 20, 2020
Instrument	70893
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2293 EMERALD CIR MORRO BAY CA 934421589, MORRO BAY, CA 93442-1589

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 2, 2020
Property Address	2293 EMERALD CIR, MORRO BAY, CA 93442-1589
Document Number	0000070892
Instrument Date	Nov 20, 2020
Instrument	70892
Transaction Type	Transfer
Record Updated	Dec 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2293 EMERALD CIR MORRO BAY CA 934421589, MORRO BAY, CA 93442-1589

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		$1,179,904 (+2%) Land $551,643 Building $628,261
2025	$13,993.00 (+3.27%)	$1,156,770 (+4.04%) Land $540,827 Building $615,943
2023	$13,550.00 (+6.04%)	$1,111,853 Land $519,827 Building $592,026
2022	$12,778.00

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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