2446 Main St, #2, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2446 Main St, #2, Morro Bay, CA 93442

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 1,242 sqft · built 2020
Lot Size	0.023 acres (1,019 sqft)
Owner	Company Name on File
Last Sale	$635,000 (Feb 2021)
Tax Bill	$7,575 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`068-202-019`

Property Details

APN / Parcel Number

Primary APN	`068-202-019`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,242 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	1,019 sqft (0.023 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2446 MAIN ST, 2
City	MORRO BAY
State	CA
Zip	93442-1552
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	TR 2812 LT 19
Legal Subdivision	TRACT 2812
Legal Tract	2812
Legal Block	1
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1010
Census Tract	10505

Owner

2446 Main St, #2 is owned by a company that bought it in February 2021.

Source: San Luis Obispo County records, as of October 12, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 86, RAISIN CITY, CA 93652-0086
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2021 · Amount on File
Deed Sale	Feb 19, 2021 · Amount on File
Deed Document Number	202113398
Record Updated	Oct 29, 2026

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 19, 2021
Property Address	2446 MAIN ST # 2, 2, MORRO BAY, CA 93442-1552
Document Number	0000013398
Map Reference	MB 37 PG 72&73
Instrument Date	Feb 14, 2021
Instrument	2021013398
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	Family Trust
Address	PO BOX 86, RAISIN CITY, CA 93652-0086

Mortgage

Document Number	0000013399
Date	Feb 19, 2021
Instrument	2021013399

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2446 Main St, #2 was $7,575.

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		$701,088 (+2%) Land $358,824 Building $342,264
2025	$7,575.00	$687,342 Land $351,789 Building $335,553
2023	$7,312.00 (+6.68%)	$660,654 Land $338,130 Building $322,524
2022	$6,854.00

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

Flood

FEMA maps place 2446 Main St, #2 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 2446 Main St, #2 is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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 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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