325 Pico St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 325 Pico St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,480 sqft · built 2001
Lot Size	0.106 acres (4,600 sqft)
Owner	Company Name on Record
Last Sale	$700,000 (May 2018)
Tax Bill	$9,052 (2025)
Deeds & Mortgages	Nov 2021 Transfer May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-331-003`

Property Details

APN / Parcel Number

Primary APN	`068-331-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,480 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	4,600 sqft (0.106 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	325 PICO ST
City	MORRO BAY
State	CA
Zip	93442-1557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TR 1 BL 1 LT 3
Legal Subdivision	MORRO BAY 1
Legal Tract	1
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1002
Census Tract	10505

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	325 PICO ST, MORRO BAY, CA 93442-1557
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Intrafamily Transfer, Transfer
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
May 25, 2018	Grant Deed, Transfer · Conventional Mortgage RESOURCE LENDERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Jan 19, 2001 · Amount on Record
Deed Document Number	201821409
Prior Transfer Date	Nov 18, 1996
Prior Transfer Doc	0000059475
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 19, 2021
Property Address	325 PICO ST, MORRO BAY, CA 93442-1557
Document Number	0000077177
Map Reference	MB 5 PG 17
Instrument Date	Nov 17, 2021
Instrument	2021077177
Transaction Type	Transfer
Record Updated	Jun 7, 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
Relationship	Family Trust
Address	325 PICO ST, MORRO BAY, CA 93442-1557

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	325 PICO ST, MORRO BAY, CA 93442-1557
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021445
Date	May 4, 2020
Instrument	2020021445

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 25, 2018
Property Address	325 PICO ST, MORRO BAY, CA 93442-1557
Document Number	0000021409
Map Reference	MB5 PG17
Instrument Date	May 12, 2018
Instrument	2018021409
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	325 PICO ST, MORRO BAY, CA 93442-1557

Mortgage

Document Number	0000021410
Date	May 25, 2018
Instrument	2018021410

Lender

Name	RESOURCE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$844,877 (+2%) Land $493,245 Building $351,632
2025	$9,052.00 (+3.64%) Homeowner's exemption	$828,312 (+4.04%) Land $483,574 Building $344,738
2023	$8,734.00 (+6.71%) Homeowner's exemption	$796,150 Land $464,798 Building $331,352
2022	$8,185.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 42% of the US · lower than 75% of California
Wildfire Likelihood	0.06% 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 442 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
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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