2785 Hemlock Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2785 Hemlock Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,242 sqft · built 1995
Lot Size	0.038 acres (1,647 sqft)
Owner	Individual Name on File
Last Sale	$770,000 (Apr 2026)
Tax Bill	$1,616 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-228-011`

Property Details

APN / Parcel Number

Primary APN	`068-228-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,242 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Lot Area	1,647 sqft (0.038 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2785 HEMLOCK AVE
City	MORRO BAY
State	CA
Zip	93442-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CY MB OCEAN HTS 2 BL 27 LT 4
Legal Subdivision	OCEAN HEIGHTS
Legal Tract	2
Legal Block	27
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2038
Census Tract	10505

Owner

2785 Hemlock Ave is owned by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	18320 CORLISS AVE N, SHORELINE, WA 98133-4624
Owner Type	Individual
Vesting	Sole Owner

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
Apr 21, 2026	Grant Deed, Transfer FIRST AMERICAN TITLE
Apr 21, 2026	Affidavit of Death of Trustee, Transfer
Apr 21, 2026	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2026 · Amount on File
Deed Sale	Apr 21, 2026 · Amount on File
Deed Document Number	202612134
Prior Transfer Date	Mar 25, 2004
Prior Transfer Doc	0000027035
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2026
Property Address	2785 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Document Number	0000012135
Instrument Date	Apr 17, 2026
Instrument	202612135
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	18320 CORLISS AVE N, SHORELINE, WA 98133-4624

April 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2026
Property Address	2785 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Document Number	0000012133
Instrument Date	Apr 15, 2026
Instrument	202612133
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1672 8TH ST, LOS OSOS, CA 93402-2202

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2026
Property Address	2785 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Document Number	0000012134
Instrument Date	Apr 1, 2026
Instrument	2026.12134
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85,547.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	18320 CORLISS AVE N, SHORELINE, WA 98133-4624

Mortgage

Document Number	0000012136,
Date	Apr 21, 2026
Instrument	2026..12136

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2785 Hemlock Ave was $1,616, up 1.7% from the year before.

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		$750,000 (+411.35%) Land $450,000 Building $300,000
2025	$1,616.00 (+1.7%)	$146,670 Land $37,507 Building $109,163
2024	$1,589.00 (+1.86%)
2023	$1,560.00 (+6.7%)	$140,976 Land $36,051 Building $104,925
2022	$1,462.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2785 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 2785 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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