2760 Hemlock Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2760 Hemlock Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,160 sqft · built 1962
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Trust Names on File
Last Sale	$365,000 (Mar 2011)
Tax Bill	$5,154 (2025)
Deeds & Mortgages	May 2026 Sale Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-396-011`

Property Details

APN / Parcel Number

Primary APN	`068-396-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area
1st Floor Area	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Construction Type	Wood
Lot Area	6,500 sqft (0.149 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2760 HEMLOCK AVE
City	MORRO BAY
State	CA
Zip	93442-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 174 BL 9 LT 11
Legal Subdivision	TR 174 PANORAMA HTS #1
Legal Tract	174
Legal Block	9
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2039
Census Tract	10505

Owner

2760 Hemlock Ave is owner-occupied and held in a trust since September 2012.

Source: San Luis Obispo County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2760 HEMLOCK AVE, MORRO BAY, CA 93442-1431
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
May 13, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 31, 2025	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Jan 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2011 · Amount on File
Deed Sale	Mar 17, 2011 · Amount on File
Deed Document Number	201113296
Last Transfer Date	Sep 25, 2012
Transfer Doc	0000056254
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 13, 2026
Property Address	2760 HEMLOCK AVE, MORRO BAY, CA 93442-1431
Document Number	0000015052
Instrument Date	May 12, 2026
Instrument	202615052
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2760 HEMLOCK AVE, MORRO BAY, CA 93442-1431

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2760 HEMLOCK AVE, MORRO BAY, CA 93442-1431
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2760 HEMLOCK AVE, MORRO BAY, CA 93442-1431

Mortgage

Document Number	0000040259
Date	Dec 31, 2025
Instrument	2025040259

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2760 HEMLOCK AVE, MORRO BAY, CA 93442-1431
Document Number	0000005097
Instrument Date	Jan 31, 2019
Transaction Type	Mortgage
Record Updated	Feb 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2760 HEMLOCK AVE MORRO BAY CA 934421431, MORRO BAY, CA 93442-1431

Mortgage

Document Number	0000005097
Date	Feb 13, 2019
Instrument	5097

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2760 Hemlock Ave was $5,154.

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		$476,969 (+2%) Land $294,024 Building $182,945
2025	$5,154.00	$467,617 Land $288,259 Building $179,358
2023	$4,974.00 (+6.67%)	$449,461 Land $277,066 Building $172,395
2022	$4,663.00

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

Flood

FEMA maps place 2760 Hemlock 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

Wildfire risk around 2760 Hemlock Ave is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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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