2787 Hemlock Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2787 Hemlock Ave, Morro Bay, CA 93442

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 1,136 sqft · built 1953
Lot Size	0.038 acres (1,650 sqft)
Owner	Company Name on File
Last Sale	$615,000 (Mar 2018)
Tax Bill	$7,712 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`068-228-010`

Property Details

APN / Parcel Number

Primary APN	`068-228-010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,136 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	1,650 sqft (0.038 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2787 HEMLOCK AVE
City	MORRO BAY
State	CA
Zip	93442-1430
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Description	CY MB OCEAN HTS 2 BL 27 LT 3
Legal Subdivision	OCEAN HEIGHTS 02
Legal Tract	2
Legal Block	27
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2038
Census Tract	10505

Owner

2787 Hemlock Ave, a duplex, is owned by a company that bought it in March 2018.

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

Owner of Record	Company Name on File
Mailing Address	40 TRUMAN DR, NOVATO, CA 94947-4460
Owner Type	Company
Vesting	Borrower in Default

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
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
May 3, 2018	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Mar 29, 2018	Grant Deed, Transfer FREMONT BANK
Apr 18, 2017	Affidavit of Death, Transfer
Apr 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Prior Sale	Mar 6, 2009 · Amount on File
Deed Document Number	201812313
Prior Transfer Date	Apr 15, 2017
Prior Transfer Doc	0000016924
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2787 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 TRUMAN DR, NOVATO, CA 94947-4460

Mortgage

Document Number	0000017386
Date	Mar 8, 2021
Instrument	2021017386

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2787 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE OFS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018007
Date	May 3, 2018
Instrument	2018018007

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 27, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 29, 2018
Property Address	2787 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Document Number	0000012313
Map Reference	MB3 PG116
Instrument Date	Feb 22, 2018
Instrument	2018012313
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	40 TRUMAN DR, NOVATO, CA 94947-4460

Mortgage

Document Number	0000012314
Date	Mar 29, 2018
Instrument	2018012314

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

April 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 18, 2017
Property Address	2787 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Document Number	0000016924
Instrument Date	Apr 15, 2017
Instrument	16924
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2787 HEMLOCK AVE MORRO BAY CA 934421430, MORRO BAY, CA 93442-1430

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 18, 2017
Property Address	2787 HEMLOCK AVE, MORRO BAY, CA 93442-1430
Document Number	0000016925
Instrument Date	Apr 15, 2017
Instrument	16925
Transaction Type	Transfer
Record Updated	May 16, 2017

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	2787 HEMLOCK AVE MORRO BAY CA 934421430, MORRO BAY, CA 93442-1430

Tax Assessment & Valuation

The 2025 property tax bill for 2787 Hemlock Ave was $7,712.

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		$713,755 (+2%) Land $406,202 Building $307,553
2025	$7,712.00	$699,761 Land $398,238 Building $301,523
2023	$7,444.00 (+6.68%)	$672,590 Land $382,775 Building $289,815
2022	$6,978.00

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

Flood

FEMA maps place 2787 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 2787 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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