321 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 321 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,700 sqft · built 2018
Lot Size	0.055 acres (2,400 sqft)
Owner	Company Name on File
Last Sale	$775,000 (Oct 2019)
Tax Bill	$9,264 (2025)
Deeds & Mortgages	Jul 2023 Transfer Dec 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`065-064-025`

Property Details

APN / Parcel Number

Primary APN	`065-064-025`
Alternative APN	`065064018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Old Parcel Number	065064018
Street Address	321 LUZON ST
City	MORRO BAY
State	CA
Zip	93442-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Description	CY MB ATAS BCH BL 7B LT 18
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	18
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1042
Census Tract	10506

Owner

321 Luzon St is owned by a company that acquired it in June 2023 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	321 LUZON ST, MORRO BAY, CA 93442-1317
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 5, 2023	Intrafamily Transfer, Transfer
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 17, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Prior Sale	Sep 23, 2016 · Amount on File
Deed Document Number	201945711
Last Transfer Date	Jun 15, 2023
Transfer Doc	0000018759
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 5, 2023
Property Address	321 LUZON ST, MORRO BAY, CA 93442-1317
Document Number	0000018759
Map Reference	MB 2 PG 15
Instrument Date	Jun 15, 2023
Instrument	2023018759
Transaction Type	Transfer
Record Updated	Jul 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 LUZON ST, MORRO BAY, CA 93442-1317

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	321 LUZON ST, MORRO BAY, CA 93442-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 LUZON ST, MORRO BAY, CA 93442-1317

Mortgage

Document Number	0000075320
Date	Dec 18, 2020
Instrument	2020075320

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 17, 2019
Property Address	321 LUZON ST, MORRO BAY, CA 93442-1317
Document Number	0000045711
Map Reference	MB 2 PG 15
Instrument Date	Sep 24, 2019
Instrument	2019045711
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	321 LUZON ST, MORRO BAY, CA 93442-1317

Mortgage

Document Number	0000045712
Date	Oct 17, 2019
Instrument	2019045712

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 321 Luzon St was $9,264 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		$864,522 (+2%) Land $501,981 Building $362,541
2025	$9,264.00 Homeowner's exemption	$847,572 Land $492,139 Building $355,433
2023	$8,939.00 (+6.7%) Homeowner's exemption	$814,662 (+2%) Land $473,030 Building $341,632
2022	$8,378.00 Homeowner's exemption	$798,689 Land $463,755 Building $334,934

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

Flood

FEMA maps place 321 Luzon 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	44.0 ft
Flood Insurance Requirement	Required federally backed loans
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 321 Luzon St is moderate, ranking above 61% 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 61% of the US · lower than 63% 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.

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 714 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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