3060 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 3060 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 3 ba · 1,240 sqft · built 2006
Lot Size	0.061 acres (2,673 sqft)
Owner	Individual Name on File
Last Sale	$594,000 (Aug 2020)
Tax Bill	$7,009 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`065-149-023`

Property Details

APN / Parcel Number

Primary APN	`065-149-023`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	1,240 sqft Living Area

Exterior

Year Built	Built 2006
Construction Type	Wood
Lot Area	2,673 sqft (0.061 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3060 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-1347
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R3
Legal Description	CY MB PM 64/88-90 PAR 1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2009
Census Tract	10505

Owner

3060 Main St, a planned unit development, is owned and occupied by an individual who bought it in August 2020.

Source: San Luis Obispo County records, as of September 29, 2025

Owner of Record	Individual Name on File
Mailing Address	3060 MAIN ST, MORRO BAY, CA 93442-1347
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
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 14, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 18, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on File
Deed Sale	Aug 14, 2020 · Amount on File
Prior Sale	Dec 18, 2018
Deed Document Number	2020042804
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3060 MAIN ST, MORRO BAY, CA 93442-1347
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3060 MAIN ST, MORRO BAY, CA 93442-1347

Mortgage

Document Number	0000018748
Date	Apr 28, 2022
Instrument	2022018748

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3060 MAIN ST, MORRO BAY, CA 93442-1347
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3060 MAIN ST, MORRO BAY, CA 93442-1347

Mortgage

Document Number	0000071894
Date	Oct 25, 2021
Instrument	2021071894

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 14, 2020
Property Address	3060 MAIN ST, MORRO BAY, CA 93442-1347
Document Number	0000042804
Map Reference	MB 64 PG 88-90
Instrument Date	Jul 20, 2020
Instrument	2020042804
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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	3060 MAIN ST, MORRO BAY, CA 93442-1347

Mortgage

Document Number	0000042805
Date	Aug 14, 2020
Instrument	2020042805

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 18, 2018
Property Address	3060 MAIN ST, MORRO BAY, CA 93442-1347
Document Number	0000051851
Instrument Date	Nov 7, 2018
Instrument	51851
Transaction Type	Transfer
Record Updated	Dec 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3060 MAIN ST MORRO BAY CA 934421347, MORRO BAY, CA 93442-1347

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 18, 2018
Property Address	3060 MAIN ST, MORRO BAY, CA 93442-1347
Document Number	0000051852
Instrument Date	Nov 7, 2018
Instrument	51852
Transaction Type	Transfer
Record Updated	Dec 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 3080 MONTEREY CA 939423080, MONTEREY, CA 93942-3080

Tax Assessment & Valuation

The 2025 property tax bill for 3060 Main St was $7,009 with a homeowner's exemption.

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$7,009.00 Homeowner's exemption	$642,962 Land $368,026 Building $274,936
2023	$6,763.00 (+6.72%) Homeowner's exemption	$617,997 Land $353,736 Building $264,261
2022	$6,337.00

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

Flood

FEMA maps place 3060 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 3060 Main St 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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