239 Surf St, Apt D, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 239 Surf St, Apt D, Morro Bay, CA 93442

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 992 sqft · built 1985
Lot Size	0.023 acres (992 sqft)
Owner	2 Individual Names on File
Last Sale	$599,000 (Aug 2026)
Tax Bill	$6,485 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-026-005`

Property Details

APN / Parcel Number

Primary APN	`066-026-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	992 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	992 sqft (0.023 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	239 SURF ST, D
City	MORRO BAY
State	CA
Zip	93442-2047
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Description	CY MB TR 1262 U D & PTN LT 1
Legal Subdivision	TRACT 1262 UN D
Legal Tract	1262
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
Census Tract	10603

Owner

239 Surf St, Apt D is owned and occupied by two individuals who bought it in August 2026.

Source: San Luis Obispo County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	239 SURF ST, D, MORRO BAY, CA 93442-2047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 7, 2026	Grant Deed, Transfer · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION
Feb 13, 2024	Intrafamily Transfer, Transfer
Feb 13, 2024	Intrafamily Transfer, Transfer
Dec 14, 2023	Intrafamily Transfer, Transfer
Oct 25, 2023	Intrafamily Transfer, Transfer
Aug 31, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	Aug 31, 2018 · Amount on File
Deed Document Number	202625246
Prior Transfer Date	Jan 11, 2024
Prior Transfer Doc	0000003650
Record Updated	Sep 20, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 7, 2026
Property Address	239 SURF ST, MORRO BAY, CA 93442-2047
Document Number	0000025246
Instrument Date	Jul 22, 2026
Instrument	202625246
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,548.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 SURF ST, MORRO BAY, CA 93442-2047

Mortgage

Document Number	0000025247,
Date	Aug 7, 2026
Instrument	202625247

Lender

Name	KD CAPITAL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 13, 2024
Property Address	239 SURF ST APT D, D, MORRO BAY, CA 93442-2047
Document Number	0000003651
Map Reference	MB 13 PG 77
Instrument Date	Jan 17, 2024
Instrument	2024003651
Transaction Type	Transfer
Record Updated	Feb 22, 2024

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	Revocable Trust
Address	706 N CANYON BLVD, MONROVIA, CA 91016-1712

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 13, 2024
Property Address	239 SURF ST APT D, D, MORRO BAY, CA 93442-2047
Document Number	0000003650
Map Reference	MB 13 PG 77
Instrument Date	Jan 11, 2024
Instrument	2024003650
Transaction Type	Transfer
Record Updated	Feb 22, 2024

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
Address	706 N CANYON BLVD, MONROVIA, CA 91016-1712

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 14, 2023
Property Address	239 SURF ST APT D, D, MORRO BAY, CA 93442-2047
Document Number	0000037152
Map Reference	MB 13 PG 77
Instrument Date	Oct 5, 2023
Instrument	2023037152
Transaction Type	Transfer
Record Updated	Dec 26, 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	Revocable Trust
Address	2425 MISSION ST STE 1, 1, SAN MARINO, CA 91108-1620

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 25, 2023
Property Address	239 SURF ST APT D, D, MORRO BAY, CA 93442-2047
Document Number	0000032287
Map Reference	MB 13 PG 77
Instrument Date	Sep 28, 2023
Instrument	2023032287
Transaction Type	Transfer
Record Updated	Nov 6, 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
Address	2425 MISSION ST STE 1, 1, SAN MARINO, CA 91108-1620

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 31, 2018
Property Address	239 SURF ST APT D, D, MORRO BAY, CA 93442-2047
Document Number	0000036271
Instrument Date	Aug 23, 2018
Instrument	36271
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$580.25
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	706 N CANYON BLVD MONROVIA CA 910161712, MONROVIA, CA 91016-1712

Tax Assessment & Valuation

The 2025 property tax bill for 239 Surf St, Apt D was $6,485, up 1.7% from the year before.

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		$600,198 (+2%) Land $381,169 Building $219,029
2025	$6,485.00 (+1.71%)	$588,431 Land $373,696 Building $214,735
2024	$6,376.00 (+1.85%)
2023	$6,260.00 (+6.7%)	$565,584 Land $359,186 Building $206,398
2022	$5,867.00

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

Flood

FEMA maps place 239 Surf St, Apt D in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

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 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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 239 Surf St, Apt D is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within 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 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Peak WiFi, Verizon.

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