San Luis Obispo County property record for 2495 Elm Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,046 sqft · built 1963 |
| Lot Size | 0.085 acres (3,700 sqft) |
| Owner | Company Name on File |
| Last Sale | $469,000 (Sep 2004) |
| Tax Bill | $7,263 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-333-021 |
| Primary APN | 068-333-021 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,046 sqft Living Area |
| 1st Floor Area | 1,046 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Wood |
| Lot Area | 3,700 sqft (0.085 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 2495 ELM AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB TR 1 BL 3 LT 14 |
| Legal Subdivision | MORRO BAY 01 |
| Legal Tract | 1 |
| Legal Block | 3 |
| Legal Lot Number | 14 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10505 |
2495 Elm Ave is owned by a company that acquired it in July 2010.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2495 ELM AVE, MORRO BAY, CA 93442-1528 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2004 · Amount on File |
| Deed Sale | Sep 3, 2004 · Amount on File |
| Deed Document Number | 200478490 |
| Last Transfer Date | Jul 29, 2010 |
| Transfer Doc | 0000039111 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2495 Elm Ave was $7,263.
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 | $672,159 (+2%) Land $462,073 Building $210,086 | |
| 2025 | $7,263.00 | $658,980 Land $453,013 Building $205,967 |
| 2023 | $7,010.00 (+6.68%) | $633,393 Land $435,423 Building $197,970 |
| 2022 | $6,571.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2495 Elm 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 risk around 2495 Elm Ave is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 75% of California |
|---|---|
| Wildfire Likelihood | 0.06% 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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