240 Gilbert St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 240 Gilbert St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,415 sqft · built 1973
Lot Size	0.105 acres (4,560 sqft)
Owner	2 Company Names on Record
Last Sale	$779,000 (Nov 2020)
Tax Bill	$9,293 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Nov 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`065-123-019`

Property Details

APN / Parcel Number

Primary APN	`065-123-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,415 sqft Living Area
1st Floor Area	1,415 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,560 sqft (0.105 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	240 GILBERT ST
City	MORRO BAY
State	CA
Zip	93442-3142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 12C LTS 4 5 & PTN 3
Legal Subdivision	ATASCADERO BEACH
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2025
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	2 Company Names on Record
Mailing Address	2935 W HOWARD AVE, VISALIA, CA 93277-4245
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 12, 2020	Correction Deed, Transfer ATTORNEY ONLY
Nov 5, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Nov 5, 2020	Grant Deed, Transfer · Conventional Mortgage PACIFIC LENDING LLC
Mar 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Dec 6, 2013 · Amount on Record
Deed Document Number	202063790
Last Transfer Date	Feb 5, 2025
Transfer Doc	0000005714
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	240 GILBERT ST, MORRO BAY, CA 93442-3142
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024070
Date	Jun 24, 2019
Instrument	2019024070

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

November 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 12, 2020
Property Address	240 GILBERT ST, MORRO BAY, CA 93442-3142
Document Number	0000065182
Instrument Date	Oct 14, 2020
Instrument	65182
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	240 GILBERT ST MORRO BAY CA 934423142, MORRO BAY, CA 93442-3142

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 5, 2020
Property Address	240 GILBERT ST, MORRO BAY, CA 93442-3142
Document Number	0000063789
Instrument Date	Oct 6, 2020
Instrument	63789
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 155 MORRO BAY CA 934430155, MORRO BAY, CA 93443-0155

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 5, 2020
Property Address	240 GILBERT ST, MORRO BAY, CA 93442-3142
Document Number	0000063790
Map Reference	MB 2 PG 15
Instrument Date	Oct 6, 2020
Instrument	2020063790
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2935 W HOWARD AVE, VISALIA, CA 93277-4245

Mortgage

Document Number	0000063791
Date	Nov 5, 2020
Instrument	2020063791

Lender

Name	PACIFIC LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 2, 2020
Property Address	240 GILBERT ST, MORRO BAY, CA 93442-3142
Document Number	0000009945
Instrument Date	Feb 3, 2020
Instrument	9945
Transaction Type	Transfer
Record Updated	Mar 11, 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	Separate Estate/Property
Address	240 GILBERT ST MORRO BAY CA 934423142, MORRO BAY, CA 93442-3142

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		$860,077 (+2%) Land $596,203 Building $263,874
2025	$9,293.00 (+3.6%)	$843,213 (+4.04%) Land $584,513 Building $258,700
2023	$8,970.00 (+6.68%)	$810,471 Land $561,816 Building $248,655
2022	$8,408.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 429 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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