San Luis Obispo County property record for 281 Main St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,848 sqft · built 2014 |
| Lot Size | 0.153 acres (6,667 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $2,575,000 (Jul 2024) |
| Tax Bill | $28,381 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-251-047 |
| Primary APN | 066-251-047 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,848 sqft Living Area |
| Year Built | Built 2014 |
|---|---|
| Construction Type | Wood |
| Lot Area | 6,667 sqft (0.153 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 281 MAIN ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB PM 74/86-88 PAR 1 |
| Legal Subdivision | PARCEL MAP MB 08-0019 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 10602 |
281 Main St is held in a trust since July 2024.
Source: San Luis Obispo County records, as of September 29, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 9411 ALTO DR, LA MESA, CA 91941-4226 |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 9, 2024 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Dec 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK |
| Nov 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2024 · Amount on File |
| Deed Sale | Jul 22, 2024 · Amount on File |
| Prior Sale | Nov 4, 2016 · Amount on File |
| Deed Document Number | 2024020139 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 281 MAIN ST, MORRO BAY, CA 93442-2714 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | TITLE 365- NLSE, TITLE 365 NLSE |
| Name | Verified Name |
|---|---|
| Address | 281 MAIN ST, MORRO BAY, CA 93442-2714 |
| Document Number | 0000012461 |
|---|---|
| Date | May 9, 2024 |
| Instrument | 2024012461 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 281 MAIN ST, MORRO BAY, CA 93442-2714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000057578 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 2019057578 |
| Name | MECHANICS BANK |
|---|---|
| Type | Bank |
| Address | ARROYO GRANDE, CA 93421 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5.25% |
| Index | 1-Year CMT |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 281 MAIN ST, MORRO BAY, CA 93442-2714 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 281 MAIN ST, MORRO BAY, CA 93442-2714 |
| Document Number | 0000068140 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 2020068140 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 281 Main St was $28,381.
Source: San Luis Obispo County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $28,381.00 | $2,575,000 Land $1,700,000 Building $875,000 |
| 2023 | $18,875.00 (+6.69%) Homeowner's exemption | $1,712,316 Land $948,188 Building $764,128 |
| 2022 | $17,691.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 281 Main St 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 VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
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 risk around 281 Main St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Ranch Wifi, T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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