289 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 289 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 3,328 sqft · built 2017
Lot Size	0.337 acres (14,676 sqft)
Owner	Company Name on File
Tax Bill	$22,848 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-251-052`

Property Details

APN / Parcel Number

Primary APN	`066-251-052`
Alternative APN	`066251036`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,328 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Lot Area	14,676 sqft (0.337 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	066251036
Street Address	289 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB MORRO RK PK BL 1PTN LTS 1 2 3&PTNCERRITO ADD
Legal Subdivision	CY MB MORRO RK PK
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1014
Census Tract	10602

Owner

289 Main St is owned by a company and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	289 MAIN ST, MORRO BAY, CA 93442-2714
Occupancy	Owner Occupied
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
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT SAVINGS BANK FSB
Jan 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage MURRELL THOMAS A TR (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	289 MAIN ST, MORRO BAY, CA 93442-2714
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 MAIN ST, MORRO BAY, CA 93442-2714

Mortgage

Document Number	0000039823
Date	Jun 1, 2021
Instrument	2021039823

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	289 MAIN ST, MORRO BAY, CA 93442-2714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024299
Date	Jun 14, 2018
Instrument	2018024299

Lender

Name	PROVIDENT SAVINGS BANK FSB
Type	Bank
Address	RIVERSIDE, CA 92506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2033

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	289 MAIN ST, MORRO BAY, CA 93442-2714
Document Number	0000003201
Instrument Date	Jan 12, 2018
Transaction Type	Mortgage
Record Updated	Feb 5, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	289 MAIN ST MORRO BAY CA 93442, MORRO BAY, CA 93442

Mortgage

Document Number	0000003201
Date	Jan 26, 2018
Instrument	3201

Lender

Name	MURRELL THOMAS A TR (PT)
Address	197 SEARIDGE CT, PISMO BEACH, CA 93449-1608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 289 Main St was $22,848 with a homeowner's exemption.

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		$2,121,582 (+2%) Land $1,129,284 Building $992,298
2025	$22,848.00 Homeowner's exemption	$2,079,984 Land $1,107,142 Building $972,842
2023	$22,051.00 (+6.7%) Homeowner's exemption	$1,999,217 Land $1,064,151 Building $935,066
2022	$20,667.00

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

Flood

FEMA maps place 289 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 AE, 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

Wildfire risk around 289 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures