2785 Indigo Cir, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2785 Indigo Cir, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,879 sqft · built 1999
Lot Size	0.196 acres (8,542 sqft)
Owner	Company Name on File
Last Sale	$570,000 (Feb 2011)
Tax Bill	$9,292 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-387-041`

Property Details

APN / Parcel Number

Primary APN	`065-387-041`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,879 sqft Living Area
1st Floor Area	1,879 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	8,542 sqft (0.196 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2785 INDIGO CIR
City	MORRO BAY
State	CA
Zip	93442-1586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 1996 LT 41
Legal Subdivision	TRACT 1996
Legal Tract	1996
Legal Block	2
Legal Lot Number	41
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2037
Census Tract	10506

Owner

2785 Indigo Cir is owned by a company that acquired it in October 2020.

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	Company Name on File
Mailing Address	2785 INDIGO CIR, MORRO BAY, CA 93442-1586
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Oct 13, 2020	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Feb 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2011 · Amount on File
Deed Sale	Feb 10, 2011 · Amount on File
Prior Sale	Feb 17, 2010 · Amount on File
Deed Document Number	20117238
Last Transfer Date	Oct 5, 2020
Transfer Doc	0000057037
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 9, 2020
Property Address	2785 INDIGO CIR, MORRO BAY, CA 93442-1586
Document Number	0000056795
Map Reference	DOC 1997-072954
Instrument Date	Aug 27, 2020
Instrument	2020056795
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ORANGE COAST TITLE

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	Joint Tenants
Address	2785 INDIGO CIR, MORRO BAY, CA 93442-1586
Investor	Possibly a Property Investor

Mortgage

Document Number	0000056796
Date	Oct 9, 2020
Instrument	2020056796

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 13, 2020
Property Address	2785 INDIGO CIR, MORRO BAY, CA 93442-1586
Document Number	0000057037
Instrument Date	Aug 27, 2020
Instrument	57037
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2785 INDIGO CIR MORRO BAY CA 934421586, MORRO BAY, CA 93442-1586

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 1, 2019
Property Address	2785 INDIGO CIR, MORRO BAY, CA 93442-1586
Document Number	0000003779
Instrument Date	Jan 17, 2019
Instrument	3779
Transaction Type	Transfer
Record Updated	Feb 11, 2019
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	Revocable Trust
Address	2785 INDIGO CIR MORRO BAY CA 934421586, MORRO BAY, CA 93442-1586

Tax Assessment & Valuation

The 2025 property tax bill for 2785 Indigo Cir was $9,292.

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		$744,863 (+2%) Land $359,362 Building $385,501
2025	$9,292.00	$730,259 Land $352,316 Building $377,943
2023	$9,012.00 (+5.71%)	$701,904 Land $338,636 Building $363,268
2022	$8,525.00

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

Flood

FEMA maps place 2785 Indigo Cir 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 39 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	39 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 Indigo Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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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