3281 Tide Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 3281 Tide Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 891 sqft · built 1972
Lot Size	0.055 acres (2,400 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Feb 2017)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`065-043-030`

Property Details

APN / Parcel Number

Primary APN	`065-043-030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	891 sqft Living Area
1st Floor Area	891 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	3281 TIDE AVE
City	MORRO BAY
State	CA
Zip	93442-2982
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 5C LT 11
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1033
Census Tract	10506

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3281 TIDE AVE, MORRO BAY, CA 93442-2982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
May 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage LENDUS LLC
Feb 14, 2017	Grant Deed, Transfer · Conventional Mortgage RPM MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2017 · Amount on Record
Deed Sale	Feb 14, 2017 · Amount on Record
Prior Sale	Jun 29, 2001 · Amount on Record
Deed Document Number	20176773
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3281 TIDE AVE, MORRO BAY, CA 93442-2982
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3281 TIDE AVE, MORRO BAY, CA 93442-2982

Mortgage

Document Number	0000000490
Date	Jan 5, 2021
Instrument	2021000490

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3281 TIDE AVE, MORRO BAY, CA 93442-2982
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019930
Date	May 29, 2019
Instrument	2019019930

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 14, 2017
Property Address	3281 TIDE AVE, MORRO BAY, CA 93442-2982
Document Number	0000006773
Map Reference	MB2 PG15
Instrument Date	Dec 21, 2016
Instrument	2017006773
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3281 TIDE AVE, MORRO BAY, CA 93442-2982

Mortgage

Document Number	0000006774
Date	Feb 14, 2017
Instrument	2017006774

Lender

Name	RPM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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		$485,351 (+2%) Land $366,974 Building $118,377
2025	$5,167.00 (+3.67%) Homeowner's exemption	$475,835 (+4.04%) Land $359,779 Building $116,056
2023	$4,984.00 (+6.7%) Homeowner's exemption	$457,359 Land $345,809 Building $111,550
2022	$4,671.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 70% of the US · above 45% of California
Wildfire Likelihood	0.3% 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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