San Luis Obispo County property record for 2520 Hemlock Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1935 |
| Lot Size | 0.191 acres (8,303 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $725,000 (Mar 2021) |
| Tax Bill | $8,883 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage May 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-245-031 |
| Primary APN | 068-245-031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 1,680 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Construction Type | Wood |
| Lot Area | 8,303 sqft (0.191 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 2520 HEMLOCK AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO DEL MAR 1 BL 2 LTS 19 TO 21 |
| Legal Subdivision | MORRO DEL MAR SUBDIVISION NO 1 |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10505 |
2520 Hemlock Ave is owned by two individuals who bought it in March 2021.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 615 IRONWOOD CT, MORRO BAY, CA 93442-1687 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 15, 2021 | Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| May 19, 2020 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Jul 6, 2020 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2021 · Amount on File |
| Deed Sale | Mar 15, 2021 · Amount on File |
| Deed Document Number | 202119678 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 15, 2021 |
| Property Address | 2520 HEMLOCK AVE, MORRO BAY, CA 93442-1746 |
| Document Number | 0000019678 |
| Map Reference | MB 3 PG 76 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2021019678 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 615 IRONWOOD CT, MORRO BAY, CA 93442-1687 |
| Document Number | 0000019679 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 2021019679 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 19, 2020 |
| Property Address | 2520 HEMLOCK AVE, MORRO BAY, CA 93442-1746 |
| Document Number | 0000024141 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 24141 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2520 HEMLOCK AVE MORRO BAY CA 934421746, MORRO BAY, CA 93442-1746 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jul 6, 2020 |
| Property Address | 2520 HEMLOCK AVE, MORRO BAY, CA 93442-1746 |
| Document Number | 0000033501 |
| Instrument Date | Apr 28, 2020 |
| Instrument | 33501 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2520 HEMLOCK AVE MORRO BAY CA 934421746, MORRO BAY, CA 93442-1746 |
The 2025 property tax bill for 2520 Hemlock Ave was $8,883.
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 | $822,103 (+2%) Land $496,834 Building $325,269 | |
| 2025 | $8,883.00 | $805,985 Land $487,093 Building $318,892 |
| 2023 | $8,574.00 (+6.68%) | $774,690 Land $468,180 Building $306,510 |
| 2022 | $8,037.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2520 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 risk around 2520 Hemlock Ave is moderate, ranking above 64% 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 64% of the US · lower than 61% 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.
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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