San Luis Obispo County property record for 2440 Laurel Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 724 sqft · built 1953 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,000 (Jan 2015) |
| Tax Bill | $6,256 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Dec 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-275-028 |
| Primary APN | 068-275-028 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 724 sqft Living Area |
| 1st Floor Area | 724 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Construction Type | Wood |
| Lot Area | 4,000 sqft (0.092 acres) |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 2440 LAUREL AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO DEL MAR 2 BL 28 LT 30 |
| Legal Subdivision | MORRO DEL MAR 02 |
| Legal Block | 28 |
| Legal Lot Number | 30 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 10505 |
2440 Laurel Ave is owned and occupied by two individuals who acquired it in October 2016.
Source: San Luis Obispo County records, as of August 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 18, 2022 | Deed of Trust, Mortgage · Line of Credit BAKERSFIELD CITY EMPLOYEES FCU |
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SESLOC FCU |
| May 29, 2024 | Deed of Trust, Mortgage · Conventional Mortgage SESLOC FCU |
| Jan 21, 2026 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2015 · Amount on File |
| Deed Sale | Jan 16, 2015 · Amount on File |
| Prior Sale | May 11, 2007 · Amount on File |
| Deed Document Number | 20151940 |
| Last Transfer Date | Oct 13, 2016 |
| Transfer Doc | 0000054481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012309 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 2022012309 |
| Name | BAKERSFIELD CITY EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | BAKERSFIELD, CA 93301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 14, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Investor | Possibly a Property Investor |
| Document Number | 0000040218 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025040218 |
| Name | SESLOC FCU |
|---|---|
| Type | Credit Union |
| Address | SAN LUIS OBISPO, CA 93401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 362 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 8.12% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Investor | Possibly a Property Investor |
| Document Number | 0000014214 |
|---|---|
| Date | May 29, 2024 |
| Instrument | 2024014214 |
| Name | SESLOC FCU |
|---|---|
| Type | Credit Union |
| Address | SAN LUIS OBISPO, CA 93401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 7% |
| Max Rate At Change | 8% |
| Index | 1-Year T-Bill |
| Max Rate | 12% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jan 21, 2026 |
| Property Address | 2440 LAUREL AVE, MORRO BAY, CA 93442-1720 |
| Document Number | 0000001907 |
| Map Reference | MB 3 PG 81 |
| Instrument Date | Jan 21, 2026 |
| Instrument | 2026001907 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 726 MAGNOLIA AVE, BAKERSFIELD, CA 93305-1856 |
The 2025 property tax bill for 2440 Laurel Ave was $6,256 with a homeowner's exemption.
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 | $1,044,862 (+81.83%) Land $367,762 Building $677,100 | |
| 2025 | $6,256.00 Homeowner's exemption | $574,651 Land $360,551 Building $214,100 |
| 2023 | $4,487.00 (+6.73%) Homeowner's exemption | $412,393 Land $346,551 Building $65,842 |
| 2022 | $4,204.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2440 Laurel Ave in Zone X, an area of minimal flood risk.
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 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 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 2440 Laurel Ave is high, ranking above 74% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 49% of California |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
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 369 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 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
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