San Luis Obispo County property record for 2589 Koa Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 872 sqft · built 1947 |
| Lot Size | 0.095 acres (4,140 sqft) |
| Owner | Individual Name on File |
| Last Sale | $540,000 (Jul 2021) |
| Tax Bill | $6,239 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-259-013 |
| Primary APN | 068-259-013 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 872 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Wood |
| Lot Area | 4,140 sqft (0.095 acres) |
| Terrain | Steep |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 2589 KOA AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | CY MB MORRO DEL MAR 2 BL 21 LT 2 |
| Legal Subdivision | MORRO DEL MAR 00 |
| Legal Block | 21 |
| Legal Lot Number | 2 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 10505 |
2589 Koa Ave is owned and occupied by an individual who bought it in July 2021.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2589 KOA AVE, MORRO BAY, CA 93442-1707 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2021 · Amount on File |
| Deed Sale | Jul 8, 2021 · Amount on File |
| Prior Sale | Sep 7, 1994 · Amount on File |
| Deed Document Number | 202147940 |
| Prior Transfer Date | May 2, 2008 |
| Prior Transfer Doc | 0000024110 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jul 8, 2021 |
| Property Address | 2589 KOA AVE, MORRO BAY, CA 93442-1707 |
| Document Number | 0000047940 |
| Map Reference | MB 3 PG 81 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 2021047940 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2021 |
| 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 |
|---|---|
| Address | 2589 KOA AVE, MORRO BAY, CA 93442-1707 |
| Document Number | 0000047941 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 2021047941 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 2589 Koa Ave was $6,239 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 | $584,511 (+2%) Land $460,033 Building $124,478 | |
| 2025 | $6,239.00 Homeowner's exemption | $573,051 Land $451,013 Building $122,038 |
| 2023 | $6,019.00 (+5.34%) Homeowner's exemption | $550,800 Land $433,500 Building $117,300 |
| 2022 | $5,714.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2589 Koa 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 2589 Koa 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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