3032 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 3032 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,080 sqft · built 1989
Lot Size	0.025 acres (1,080 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Jun 2021)
Tax Bill	$6,681 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-148-047`

Property Details

APN / Parcel Number

Primary APN	`065-148-047`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	1,080 sqft (0.025 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3032 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-1350
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R3
Legal Description	CY MB TR 1367 UT 17 PTN LT 1 COMMON AREA
Legal Subdivision	TRACT NO 1367
Legal Tract	1367
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2009
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	3048 W PEMBROOK LOOP, FRESNO, CA 93711-1179
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage GROVES CAP INC
May 29, 2019	Grant Deed, Transfer · Conventional Mortgage KD CAPITAL MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2021 · Amount on Record
Deed Sale	Jun 2, 2021 · Amount on Record
Prior Sale	May 29, 2019 · Amount on Record
Deed Document Number	202140291
Prior Transfer Date	Dec 23, 1997
Prior Transfer Doc	0000072371
Record Updated	Oct 29, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 2, 2021
Property Address	3032 MAIN ST, MORRO BAY, CA 93442-1350
Document Number	0000040291
Map Reference	MB 13 PG 91
Instrument Date	May 24, 2021
Instrument	2021040291
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3048 W PEMBROOK LOOP, FRESNO, CA 93711-1179

Mortgage

Document Number	0000040292
Date	Jun 2, 2021
Instrument	2021040292

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3032 MAIN ST, MORRO BAY, CA 93442-1350
Document Number	0000077081
Instrument Date	Dec 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 8, 2021
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3032 MAIN ST #17 MORRO BAY CA 934421350, 17, MORRO BAY, CA 93442-1350

Mortgage

Document Number	0000077081
Date	Dec 28, 2020
Instrument	77081

Lender

Name	GROVES CAP INC
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 29, 2019
Property Address	3032 MAIN ST, MORRO BAY, CA 93442-1350
Document Number	0000020020
Map Reference	MB 13 PG 91
Instrument Date	May 16, 2019
Instrument	2019020020
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 194, CAYUCOS, CA 93430-0194

Mortgage

Document Number	0000020021
Date	May 29, 2019
Instrument	2019020021

Lender

Name	KD CAPITAL MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$618,281 (+2%) Land $358,824 Building $259,457
2025	$6,681.00 (+3.61%)	$606,159 (+4.04%) Land $351,789 Building $254,370
2023	$6,448.00 (+6.68%)	$582,624 Land $338,130 Building $244,494
2022	$6,044.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 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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