2968 Birch Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2968 Birch Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,313 sqft · built 1947
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$604,500 (Jan 2018)
Tax Bill	$7,581 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`068-193-015`

Property Details

APN / Parcel Number

Primary APN	`068-193-015`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,313 sqft Living Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	2968 BIRCH AVE
City	MORRO BAY
State	CA
Zip	93442-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB OCEAN HTS 1 BL 6 LT 4
Legal Subdivision	OCEAN HEIGHTS 01
Legal Block	6
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2016
Census Tract	10505

Owner

2968 Birch Ave is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 19, 2018	Grant Deed, Transfer · Conventional with PMI TURNKEY MTG MGMT ARBOR FIN'L G

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2018 · Amount on File
Deed Sale	Jan 19, 2018 · Amount on File
Prior Sale	Dec 23, 2014 · Amount on File
Deed Document Number	20182140
Prior Transfer Date	Dec 10, 2014
Prior Transfer Doc	0000054282
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402

Mortgage

Document Number	0000002881
Date	Feb 2, 2024
Instrument	2024002881

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2044

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402
Transaction Type	Mortgage
Record Updated	Jun 29, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402

Mortgage

Document Number	0000025917
Date	Jun 21, 2022
Instrument	2022025917

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402

Mortgage

Document Number	0000015778
Date	Mar 2, 2021
Instrument	2021015778

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2051

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 19, 2018
Property Address	2968 BIRCH AVE, MORRO BAY, CA 93442-1402
Document Number	0000002140
Instrument Date	Jan 16, 2018
Instrument	2140
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$664.95
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2968 BIRCH AVE MORRO BAY CA 934421402, MORRO BAY, CA 93442-1402

Mortgage

Document Number	2141
Date	Jan 19, 2018
Instrument	2141

Lender

Name	TURNKEY MTG MGMT ARBOR FIN'L G
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 18, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2968 Birch Ave was $7,581.

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		$701,566 (+2%) Land $435,216 Building $266,350
2025	$7,581.00	$687,811 Land $426,683 Building $261,128
2023	$7,317.00 (+6.69%)	$661,104 Land $410,115 Building $250,989
2022	$6,858.00

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

Flood

FEMA maps place 2968 Birch 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 2968 Birch Ave is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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