2598 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2598 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 1972
Lot Size	0.089 acres (3,870 sqft)
Owner	Individual Name on File
Last Sale	$579,000 (Jan 2020)
Tax Bill	$6,979 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-332-040`

Property Details

APN / Parcel Number

Primary APN	`068-332-040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	3,870 sqft (0.089 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2598 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CVS
Legal Description	CY MB TR 1 BL 2 LT 1
Legal Subdivision	TRACT 01
Legal Tract	1
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1003
Census Tract	10505

Owner

2598 Main St is owned by an individual who bought it in January 2020.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	5860 SANTA ROSA CREEK RD, CAMBRIA, CA 93428-3534
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Feb 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage COASTAL FUNDING SLC INC
Jan 9, 2020	Grant Deed, Transfer · Conventional Mortgage COASTAL FUNDING SLC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2020 · Amount on File
Deed Sale	Jan 9, 2020 · Amount on File
Prior Sale	Jun 5, 2015 · Amount on File
Deed Document Number	20201123
Prior Transfer Date	Mar 4, 1998
Prior Transfer Doc	0000017966
Record Updated	Sep 20, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 23, 2021
Property Address	2598 MAIN ST, MORRO BAY, CA 93442-1553
Document Number	0000013911
Map Reference	MB 5 PG 17
Instrument Date	Feb 12, 2021
Instrument	2021013911
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	PO BOX 1313, CAMBRIA, CA 93428-1313

Mortgage

Document Number	0000013912
Date	Feb 23, 2021
Instrument	2021013912

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2598 MAIN ST, MORRO BAY, CA 93442-1553
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001423
Date	Jan 10, 2020
Instrument	2020001423

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 9, 2020
Property Address	2598 MAIN ST, MORRO BAY, CA 93442-1553
Document Number	0000001123
Map Reference	MB 5 PG 17
Instrument Date	Aug 9, 2019
Instrument	2020001123
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER 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	Community Property with Right of Survivorship
Address	2598 MAIN ST, MORRO BAY, CA 93442-1553

Mortgage

Document Number	0000001124
Date	Jan 9, 2020
Instrument	2020001124

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2598 Main St was $6,979.

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		$645,880 (+2%) Land $418,317 Building $227,563
2025	$6,979.00	$633,216 Land $410,115 Building $223,101
2023	$6,736.00 (+6.68%)	$608,630 Land $394,191 Building $214,439
2022	$6,314.00

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

Flood

FEMA maps place 2598 Main St 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 2598 Main St 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.

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 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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