2401 Hemlock Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2401 Hemlock Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 1990
Lot Size	0.064 acres (2,800 sqft)
Owner	Company Name on File
Tax Bill	$3,954 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-271-044`

Property Details

APN / Parcel Number

Primary APN	`068-271-044`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	2,800 sqft (0.064 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2401 HEMLOCK AVE
City	MORRO BAY
State	CA
Zip	93442-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1S2
Legal Description	CY MB MORRO DEL MAR 1 BL 5 LT 13
Legal Subdivision	MORRO DEL MAR 01
Legal Block	5
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1005
Census Tract	10505

Owner

2401 Hemlock Ave is owned by a company that acquired it in February 2020.

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

Owner of Record	Company Name on File
Mailing Address	2401 HEMLOCK AVE, MORRO BAY, CA 93442-1743
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
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENTAGON FCU
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Feb 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 14, 2020
Transfer Doc	0000008764
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2401 HEMLOCK AVE, MORRO BAY, CA 93442-1743
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027546
Date	Apr 13, 2021
Instrument	2021027546

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2401 HEMLOCK AVE, MORRO BAY, CA 93442-1743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027577
Date	Jul 15, 2019
Instrument	2019027577

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 3, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 24, 2020
Property Address	2401 HEMLOCK AVE, MORRO BAY, CA 93442-1743
Document Number	0000008764
Instrument Date	Feb 14, 2020
Instrument	8764
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2401 HEMLOCK AVE MORRO BAY CA 934421743, MORRO BAY, CA 93442-1743

Tax Assessment & Valuation

The 2025 property tax bill for 2401 Hemlock Ave was $3,954.

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		$366,000 (+2%) Land $141,444 Building $224,556
2025	$3,954.00	$358,824 Land $138,671 Building $220,153
2023	$3,817.00 (+6.68%)	$344,892 Land $133,287 Building $211,605
2022	$3,578.00

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

Flood

FEMA maps place 2401 Hemlock Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 2401 Hemlock Ave is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 67% of California
Wildfire Likelihood	0.2% 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 676 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
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Verizon.

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