San Luis Obispo County property record for 2640 Koa Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 900 sqft · built 1967 |
| Lot Size | 0.079 acres (3,430 sqft) |
| Owner | Individual Name on File |
| Last Sale | $875,000 (May 2021) |
| Tax Bill | $10,439 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage May 2020 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-255-030 |
| Primary APN | 068-255-030 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 900 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Wood |
| Lot Area | 3,430 sqft (0.079 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2640 KOA AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO DEL MAR 2 BL 24 LT 18 |
| Legal Subdivision | MORRO DEL MAR SUB 2 |
| Legal Block | 24 |
| Legal Lot Number | 18 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10505 |
2640 Koa Ave is owned and occupied by an individual who bought it in May 2021.
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2640 KOA AVE, MORRO BAY, CA 93442-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 14, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 21, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jan 7, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 19, 2019 | Affidavit of Death, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2021 · Amount on File |
| Deed Sale | May 14, 2021 · Amount on File |
| Deed Document Number | 202136301 |
| Prior Transfer Date | Jul 11, 1994 |
| Prior Transfer Doc | 0000042965 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 14, 2021 |
| Property Address | 2640 KOA AVE, MORRO BAY, CA 93442-1710 |
| Document Number | 0000036301 |
| Map Reference | MB 3 PG 81 |
| Instrument Date | May 3, 2021 |
| Instrument | 2021036301 |
| Transaction Type | Transfer |
| Record Updated | May 26, 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 2640 KOA AVE, MORRO BAY, CA 93442-1710 |
| Document Number | 0000036302 |
|---|---|
| Date | May 14, 2021 |
| Instrument | 2021036302 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 21, 2020 |
| Property Address | 2640 KOA AVE, MORRO BAY, CA 93442-1710 |
| Document Number | 0000024843 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 24843 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8315 WOODLAND CIR GOODRICH MI 484389311, GOODRICH, MI 48438-9311 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jan 7, 2020 |
| Property Address | 2640 KOA AVE, MORRO BAY, CA 93442-1710 |
| Document Number | 0000000713 |
| Instrument Date | Dec 26, 2019 |
| Instrument | 713 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8315 WOODLAND CIR GOODRICH MI 484389311, GOODRICH, MI 48438-9311 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Nov 19, 2019 |
| Property Address | 2640 KOA AVE, MORRO BAY, CA 93442-1710 |
| Document Number | 0000051813 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 51813 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2019 |
| Title Company | PUBLIC TITLE COMPANY, PUBLIC TITLE CO |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 8315 WOODLAND CIR GOODRICH MI 484389311, GOODRICH, MI 48438-9311 |
The 2025 property tax bill for 2640 Koa Ave was $10,439.
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 | $966,067 (+2%) Land $717,651 Building $248,416 | |
| 2025 | $10,439.00 | $947,126 Land $703,580 Building $243,546 |
| 2023 | $10,076.00 (+6.69%) | $910,350 Land $676,260 Building $234,090 |
| 2022 | $9,444.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2640 Koa Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 2640 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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