San Luis Obispo County property record for 2998 Elm Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.104 acres (4,549 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,722 (2025) |
| Deeds & Mortgages | Aug 2022 Transfer Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-196-001 |
| Primary APN | 068-196-001 |
|---|
| Lot Area | 4,549 sqft (0.104 acres) |
|---|
| Street Address | 2998 ELM AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | CY MB OCEAN HTS 1 BL 3 LT 1 |
| Legal Subdivision | OCEAN HEIGHTS SUB 01 |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 10505 |
2998 Elm Ave is owned by a company that acquired it in July 2022 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2998 ELM AVE, MORRO BAY, CA 93442-1419 |
| 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.
| Date | Document |
|---|---|
| Aug 5, 2022 | Intrafamily Transfer, Transfer |
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 18, 2022 |
| Transfer Doc | 0000032027 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 5, 2022 |
| Property Address | 2998 ELM AVE, MORRO BAY, CA 93442-1419 |
| Document Number | 0000032027 |
| Map Reference | MB 3 PG 62 |
| Instrument Date | Jul 18, 2022 |
| Instrument | 2022032027 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2998 ELH AVENUE, MORRO BAY, CA 93442-1419 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2998 ELM AVE, MORRO BAY, CA 93442-1419 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE OF NORTHE |
| Name | Verified Name |
|---|---|
| Address | 2998 ELM AVE, MORRO BAY, CA 93442-1419 |
| Document Number | 0000057717 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020057717 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 2998 Elm Ave was $1,722 with a homeowner's exemption.
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 | $166,500 (+2%) Land $55,490 Building $111,010 | |
| 2025 | $1,722.00 Homeowner's exemption | $163,236 Land $54,402 Building $108,834 |
| 2023 | $1,659.00 (+6.83%) Homeowner's exemption | $156,899 Land $52,291 Building $104,608 |
| 2022 | $1,553.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2998 Elm Ave in Zone X, an area of minimal flood risk.
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 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 risk around 2998 Elm Ave is moderate, ranking above 62% of the US, with a 0.2% annual chance of 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.
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 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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