2970 Hemlock Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 2970 Hemlock Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,207 sqft · built 1973
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Tax Bill	$3,405 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-383-016`

Property Details

APN / Parcel Number

Primary APN	`068-383-016`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,207 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	100 ft deep x 66 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2970 HEMLOCK AVE
City	MORRO BAY
State	CA
Zip	93442-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 174 BL 7 LT 16
Legal Subdivision	TRACT 174
Legal Tract	174
Legal Block	7
Legal Lot Number	16
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2022
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	Individual Name on Record
Mailing Address	2970 HEMLOCK AVE, MORRO BAY, CA 93442-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FARMERS BANK & TRUST
Jan 23, 2020	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Jan 18, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 10, 2021
Transfer Doc	0000076578
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 17, 2021
Property Address	2970 HEMLOCK AVE, MORRO BAY, CA 93442-1435
Document Number	0000076578
Map Reference	MB 6 PG 38
Instrument Date	Nov 10, 2021
Instrument	2021076578
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

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
Address	2970 HEMLOCK AVE, MORRO BAY, CA 93442-1435

Mortgage

Document Number	0000076579
Date	Nov 17, 2021
Instrument	2021076579

Lender

Name	FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2970 HEMLOCK AVE, MORRO BAY, CA 93442-1435
Document Number	0000004780
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	CALIFORNIA MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2970 HEMLOCK AVE MORRO BAY CA 934421435, MORRO BAY, CA 93442-1435

Mortgage

Document Number	0000004780
Date	Jan 30, 2020
Instrument	4780

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209-9100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2050

Interest

Rate Type	Adjustable Rate

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 18, 2017
Property Address	2970 HEMLOCK AVE, MORRO BAY, CA 93442-1435
Document Number	0000002713
Map Reference	MB6 PG38
Instrument Date	Jan 12, 2017
Instrument	2017002713
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ENTITLE INSURANCE COMPANY

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	Joint Tenants
Address	2970 HEMLOCK AVE, MORRO BAY, CA 93442-1435

Mortgage

Document Number	0000002714
Date	Jan 18, 2017
Instrument	2017002714

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

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		$322,257 (+2%) Land $99,550 Building $222,707
2025	$3,405.00 (+3.72%) Homeowner's exemption	$315,940 (+4.04%) Land $97,599 Building $218,341
2023	$3,283.00 (+6.73%) Homeowner's exemption	$303,673 Land $93,810 Building $209,863
2022	$3,076.00

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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