San Luis Obispo County property record for 2820 Cedar Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,730 sqft · built 2007 |
| Lot Size | 0.092 acres (4,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $716,000 (Oct 2007) |
| Tax Bill | $10,288 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-214-018 |
| Primary APN | 068-214-018 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,730 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Wood |
| Lot Area | 4,000 sqft (0.092 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2820 CEDAR AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB OCEAN HTS 1 BL 13 LT 9 |
| Legal Subdivision | OCEAN HEIGHTS #1 |
| Legal Block | 13 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10505 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 5200 N PALM AVE, 201, FRESNO, CA 93704-2225 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| May 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Sep 2, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage COASTAL FUNDING SLC INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2007 · Amount on Record |
| Deed Sale | Oct 31, 2007 · Amount on Record |
| Deed Document Number | 200772089 |
| Last Transfer Date | Aug 18, 2020 |
| Transfer Doc | 0000047374 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2820 CEDAR AVE, MORRO BAY, CA 93442-1404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000019778 |
|---|---|
| Date | May 5, 2017 |
| Instrument | 2017019778 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 2, 2020 |
| Property Address | 2820 CEDAR AVE, MORRO BAY, CA 93442-1404 |
| Document Number | 0000047374 |
| Map Reference | MB 3 PG 62 |
| Instrument Date | Aug 18, 2020 |
| Instrument | 2020047374 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 2820 CEDAR AVE, MORRO BAY, CA 93442-1404 |
| Document Number | 0000047375 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020047375 |
| Name | COASTAL FUNDING SLC INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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 |
|---|---|---|
| 2026 | $959,270 (+2%) Land $535,905 Building $423,365 | |
| 2025 | $10,288.00 (+3.63%) Homeowner's exemption | $940,462 (+4.04%) Land $525,398 Building $415,064 |
| 2023 | $9,928.00 (+6.71%) Homeowner's exemption | $903,946 Land $504,998 Building $398,948 |
| 2022 | $9,304.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 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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