320 Anchor St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 320 Anchor St, Morro Bay, CA 93442

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 2 ba · 1,370 sqft · built 1987
Lot Size	0.031 acres (1,332 sqft)
Owner	Company Name on File
Last Sale	$177,500 (Jul 1997)
Tax Bill	$3,842 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-179-019`

Property Details

APN / Parcel Number

Primary APN	`066-179-019`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,370 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	1,332 sqft (0.031 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 ANCHOR ST
City	MORRO BAY
State	CA
Zip	93442-2506
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	R3
Legal Description	CY MB PM 41/58 PAR 3
Legal Subdivision	PARCEL MAP MB-85-110
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1032
Census Tract	10602

Owner

320 Anchor St, a planned unit development, is owned by a company that acquired it in December 2016 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	320 ANCHOR ST, MORRO BAY, CA 93442-2506
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jan 3, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LENDERFI
Jan 3, 2017	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 1997 · Amount on File
Deed Sale	Jul 11, 1997 · Amount on File
Deed Document Number	199736024
Last Transfer Date	Dec 21, 2016
Transfer Doc	0000000024
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	320 ANCHOR ST, MORRO BAY, CA 93442-2506
Transaction Type	Mortgage
Record Updated	Aug 2, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 ANCHOR ST, MORRO BAY, CA 93442-2506

Mortgage

Document Number	0000051914
Date	Jul 22, 2021
Instrument	2021051914

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

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

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 3, 2017
Property Address	320 ANCHOR ST, MORRO BAY, CA 93442-2506
Document Number	0000000024
Instrument Date	Dec 21, 2016
Instrument	24
Transaction Type	Transfer
Record Updated	Jan 17, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4114 BEACHMEADOW LN WESTLAKE VILLAGE CA 913613608, WESTLAKE VILLAGE, CA 91361-3608

Mortgage

Document Number	25,
Date	Jan 3, 2017
Instrument	25

Lender

Name	LENDERFI
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 3, 2017
Property Address	320 ANCHOR ST, MORRO BAY, CA 93442-2506
Document Number	0000000026
Instrument Date	Dec 21, 2016
Instrument	26
Transaction Type	Transfer
Record Updated	Jan 17, 2017
Title Company	OTHER

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	4114 BEACHMEADOW LN WESTLAKE VILLAGE CA 913613608, WESTLAKE VILLAGE, CA 91361-3608

Tax Assessment & Valuation

The 2025 property tax bill for 320 Anchor St was $3,842 with a homeowner's exemption.

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		$362,773 (+2%) Land $183,782 Building $178,991
2025	$3,842.00 Homeowner's exemption	$355,661 Land $180,179 Building $175,482
2023	$3,706.00 (+6.74%) Homeowner's exemption	$341,853 Land $173,184 Building $168,669
2022	$3,472.00

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

Flood

FEMA maps place 320 Anchor St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 320 Anchor St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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