3120 Tide Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 3120 Tide Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1961
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Company Names on File
Last Sale	$765,000 (May 2025)
Tax Bill	$6,552 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jan 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`065-073-027`

Property Details

APN / Parcel Number

Primary APN	`065-073-027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Lot Area	2,400 sqft (0.055 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	3120 TIDE AVE
City	MORRO BAY
State	CA
Zip	93442-1332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 6E LT 22
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	22
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1015
Census Tract	10506

Owner

3120 Tide Ave is owned by a company that bought it in May 2025.

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

Owner of Record	2 Company Names on File
Mailing Address	1537 CHRISTOPHER WAY, SACRAMENTO, CA 95819-4530
Owner Type	Company
Vesting	Life Tenant

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
Jun 4, 2020	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage ESLO ENT LLC
Dec 23, 2019	Grant Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP
Mar 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage MONTROSE ELEANOR F L/TR (LT)
Sep 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage MONTROSE ELEANOR F L/TR (LT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2025 · Amount on File
Deed Sale	May 19, 2025 · Amount on File
Prior Sale	Jun 4, 2020 · Amount on File
Deed Document Number	202513948
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 4, 2020
Property Address	3120 TIDE AVE, MORRO BAY, CA 93442-1332
Document Number	0000027317
Instrument Date	Apr 20, 2020
Instrument	27317
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3120 TIDE AVE MORRO BAY CA 934421332, MORRO BAY, CA 93442-1332

Mortgage

Document Number	27318
Date	Jun 4, 2020
Instrument	27318

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3120 TIDE AVE, MORRO BAY, CA 93442-1332
Document Number	0000000784
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 362 DEL MAR CA 920140362, DEL MAR, CA 92014-0362

Mortgage

Document Number	0000000784
Date	Jan 7, 2020
Instrument	784

Lender

Name	ESLO ENT LLC
Address	PO BOX 2511, PASO ROBLES, CA 93447-2511

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 23, 2019
Property Address	3120 TIDE AVE, MORRO BAY, CA 93442-1332
Document Number	0000057596
Map Reference	MB 2 PG 15
Instrument Date	Dec 12, 2019
Instrument	2019057596
Transaction Type	Construction Loan
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	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 382, DEL MAR, CA 92014-0382

Mortgage

Document Number	0000057597
Date	Dec 23, 2019
Instrument	2019057597

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3120 TIDE AVE, MORRO BAY, CA 93442-1332
Document Number	0000008742
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 CHORRO ST SAN LUIS OBISPO CA 934051778, SAN LUIS OBISPO, CA 93405-1778

Mortgage

Document Number	0000008742
Date	Mar 13, 2019
Instrument	8742

Lender

Name	MONTROSE ELEANOR F L/TR (LT)
Address	979 OSOS ST # C1, SAN LUIS OBISPO, CA 93401-3253

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3120 TIDE AVE, MORRO BAY, CA 93442-1332
Document Number	0000038089
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Sep 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 CHORRO ST SAN LUIS OBISPO CA 934051778, SAN LUIS OBISPO, CA 93405-1778

Mortgage

Document Number	0000038089
Date	Sep 14, 2018
Instrument	38089

Lender

Name	MONTROSE ELEANOR F L/TR (LT)
Address	979 OSOS ST # C1, SAN LUIS OBISPO, CA 93401-3253

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3120 Tide Ave was $6,552.

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		$780,300 (+29.73%) Land $561,000 Building $219,300
2025	$6,552.00 Homeowner's exemption	$601,501 Land $448,392 Building $153,109
2023	$6,321.00 (+6.7%) Homeowner's exemption	$578,145 Land $430,981 Building $147,164
2022	$5,924.00

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

Flood

FEMA maps place 3120 Tide 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Dec 2004 · rainfall accumulation

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 3120 Tide Ave is moderate, ranking above 66% 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 66% of the US · above 41% 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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