San Luis Obispo County property record for 242 Surf St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,058 sqft · built 1944 |
| Lot Size | 0.047 acres (2,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,075,000 (Feb 2024) |
| Tax Bill | $12,085 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-022-009 |
| Primary APN | 066-022-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,058 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Construction Type | Wood |
| Lot Area | 2,040 sqft (0.047 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 242 SURF ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | CY MB ATAS BCH BL 31 LT 85 |
| Legal Subdivision | ATASCADERO BEACH |
| Legal Block | 31 |
| Legal Lot Number | 85 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 10603 |
242 Surf St is owned by two individuals who bought it in February 2024.
Source: San Luis Obispo County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 24705 TIBURON ST, VALENCIA, CA 91355-4944 |
| Owner Type | Individual |
| Vesting | Community Property |
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 |
|---|---|
| Feb 29, 2024 | Grant Deed, Transfer · Conventional Mortgage CITIBANK NA |
| Aug 8, 2022 | Grant Deed, Transfer PLACER TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 29, 2024 · Amount on File |
| Deed Sale | Feb 29, 2024 · Amount on File |
| Prior Sale | Aug 8, 2022 · Amount on File |
| Deed Document Number | 20245197 |
| Prior Transfer Date | Apr 2, 1996 |
| Prior Transfer Doc | 0000018958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Feb 29, 2024 |
| Property Address | 242 SURF ST, MORRO BAY, CA 93442-2059 |
| Document Number | 0000005197 |
| Map Reference | MB 3 PG 14 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024005197 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2024 |
| Title Company | PLACER 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 |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 24705 TIBURON ST, VALENCIA, CA 91355-4944 |
| Document Number | 0000005198 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 2024005198 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 8, 2022 |
| Property Address | 242 SURF ST, MORRO BAY, CA 93442-2059 |
| Document Number | 0000032090 |
| Map Reference | MB 3 PG 14 |
| Instrument Date | Jul 19, 2022 |
| Instrument | 2022032090 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 242 SURF ST, MORRO BAY, CA 93442-2059 |
The 2025 property tax bill for 242 Surf St was $12,085.
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 | $1,199,426 (+9.39%) Land $806,310 Building $393,116 | |
| 2025 | $12,085.00 | $1,096,500 Land $790,500 Building $306,000 |
| 2023 | $11,234.00 (+81.72%) | $1,015,000 Land $750,000 Building $265,000 |
| 2022 | $6,182.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 242 Surf St 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 |
|
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 242 Surf St 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.
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 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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