San Luis Obispo County property record for 240 Terra St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,590 sqft · built 1967 |
| Lot Size | 0.174 acres (7,560 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,199,000 (Sep 2025) |
| Tax Bill | $3,769 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-368-002 |
| Primary APN | 065-368-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| 1st Floor Area | 1,590 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 7,560 sqft (0.174 acres) |
| Lot Dimensions | 105 ft deep x 72 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 240 TERRA ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-3164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB TR 357 BL 8 LT 2 |
| Legal Subdivision | TRACT NO. 357 |
| Legal Tract | 357 |
| Legal Block | 8 |
| Legal Lot Number | 2 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 10506 |
240 Terra St is held in a trust since September 2025.
Source: San Luis Obispo County records, as of October 13, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2601 BERESFORD PL, BAKERSFIELD, CA 93311-9272 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 21, 2026 | Grant Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 22, 2025 | Grant Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on File |
| Deed Sale | Sep 22, 2025 · Amount on File |
| Deed Document Number | 202527680 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 21, 2026 |
| Property Address | 240 TERRA ST, MORRO BAY, CA 93442-3164 |
| Document Number | 0000029783 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202629783 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2601 BERESFORD PL, BAKERSFIELD, CA 93311-9272 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 22, 2025 |
| Property Address | 240 TERRA ST, MORRO BAY, CA 93442-3164 |
| Document Number | 0000027680 |
| Map Reference | MB 7 PG 24 |
| Instrument Date | Sep 5, 2025 |
| Instrument | 2025027680 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2601 BERESFORD PL, BAKERSFIELD, CA 93311-9272 |
| Document Number | 0000027681 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 2025027681 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 240 Terra St was $3,769, up 1.7% from the year before.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,199,000 (+250.55%) Land $800,000 Building $399,000 | |
| 2025 | $3,769.00 (+1.7%) | $342,030 Land $149,333 Building $192,697 |
| 2024 | $3,706.00 (+1.87%) | |
| 2023 | $3,638.00 (+6.69%) | $328,750 Land $143,535 Building $185,215 |
| 2022 | $3,410.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 240 Terra St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| 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 risk around 240 Terra St is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 74% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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