2860 Hemlock Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2860 Hemlock Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,863 sqft · built 1997
Lot Size	0.152 acres (6,600 sqft)
Owner	Company Name on Record
Last Sale	$490,000 (Jun 2014)
Tax Bill	$6,543 (2025)
Deeds & Mortgages	Sep 2019 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`068-395-021`

Property Details

APN / Parcel Number

Primary APN	`068-395-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,863 sqft Living Area
1st Floor Area	1,863 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Wood
Lot Area	6,600 sqft (0.152 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2860 HEMLOCK AVE
City	MORRO BAY
State	CA
Zip	93442-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	CY MB TR 174 BL 8 LT 16
Legal Subdivision	PANORAMA HEIGHTS 01
Legal Tract	174
Legal Block	8
Legal Lot Number	16
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2023
Census Tract	10505

Owner

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	PO BOX 2018, MORRO BAY, CA 93443-2018
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2014 · Amount on Record
Deed Sale	Jun 5, 2014 · Amount on Record
Prior Sale	Dec 29, 1993 · Amount on Record
Deed Document Number	201422139
Last Transfer Date	Aug 28, 2019
Transfer Doc	0000037530
Record Updated	Oct 29, 2026

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 6, 2019
Property Address	2860 HEMLOCK AVE, MORRO BAY, CA 93442-1433
Document Number	0000037530
Map Reference	MB 6 PG 38
Instrument Date	Aug 28, 2019
Instrument	2019037530
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FNC TITLE SERVICES LLC

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	Revocable Living Trust
Address	2860 HEMLOCK AVE, MORRO BAY, CA 93442-1433

Mortgage

Document Number	0000037531
Date	Sep 6, 2019
Instrument	2019037531

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.65%
Type Change Date	Sep 1, 2020
Index	1-Year LIBOR

Mortgage

Document Number	0000037532
Date	Sep 6, 2019
Instrument	2019037532

Lender

Name	USDA
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.65%
Type Change Date	Sep 1, 2020
Index	1-Year LIBOR

Tax Assessment & Valuation

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		$612,676 (+2%) Land $281,331 Building $331,345
2025	$6,543.00 (+3.66%) Homeowner's exemption	$600,664 (+4.04%) Land $275,815 Building $324,849
2023	$6,312.00 (+6.71%) Homeowner's exemption	$577,341 Land $265,105 Building $312,236
2022	$5,915.00

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

Flood

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.

Wildfire

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

Wildfire Risk	Moderate above 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% 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 429 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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