2775 Elm Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2775 Elm Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1975
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Sep 2010)
Tax Bill	$5,295 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`068-225-004`

Property Details

APN / Parcel Number

Primary APN	`068-225-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
1st Floor Area	1,236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2775 ELM AVE
City	MORRO BAY
State	CA
Zip	93442-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB OCEAN HTS 1 BL 20 LT 4
Legal Subdivision	OCEAN HEIGHTS 01
Legal Block	20
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2035
Census Tract	10505

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1275 DEL MAR DR, LOS OSOS, CA 93402-4018
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
May 4, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 22, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2010 · Amount on Record
Deed Sale	Sep 24, 2010 · Amount on Record
Prior Sale	Sep 14, 2004 · Amount on Record
Deed Document Number	201046972
Last Transfer Date	May 8, 2017
Transfer Doc	0000027460
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2775 ELM AVE, MORRO BAY, CA 93442-1534
Transaction Type	Mortgage
Record Updated	Feb 1, 2023
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1275 DEL MAR DR, LOS OSOS, CA 93402-4018

Mortgage

Document Number	0000001894
Date	Jan 20, 2023
Instrument	2023001894

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2775 ELM AVE, MORRO BAY, CA 93442-1534
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2775 ELM AVE, MORRO BAY, CA 93442-1534

Mortgage

Document Number	0000033469
Date	May 4, 2021
Instrument	2021033469

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 22, 2017
Property Address	2775 ELM AVE, MORRO BAY, CA 93442-1534
Document Number	0000027461
Instrument Date	Jun 6, 2017
Instrument	27461
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2775 ELM AVE MORRO BAY CA 934421534, MORRO BAY, CA 93442-1534

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 22, 2017
Property Address	2775 ELM AVE, MORRO BAY, CA 93442-1534
Document Number	0000027460
Instrument Date	May 8, 2017
Instrument	27460
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2775 ELM AVE MORRO BAY CA 934421534, MORRO BAY, CA 93442-1534

Tax Assessment & Valuation

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		$490,035 (+2%) Land $261,354 Building $228,681
2025	$5,295.00 (+5.21%)	$480,428 (+4.04%) Land $256,230 Building $224,198
2023	$5,033.00 (+6.72%) Homeowner's exemption	$461,774 Land $246,281 Building $215,493
2022	$4,716.00

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

Flood

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 Record 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

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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