331 Panay St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 331 Panay St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 442 sqft · built 1940
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jun 2025)
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale
Flood Zone	Zone X (moderate risk)
APN	`065-051-015`

Property Details

APN / Parcel Number

Primary APN	`065-051-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	442 sqft Living Area
1st Floor Area	442 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	331 PANAY ST
City	MORRO BAY
State	CA
Zip	93442-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 5E LT 17
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	17
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1034
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	2 Individual Names on Record
Mailing Address	331 PANAY ST, MORRO BAY, CA 93442-2931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 27, 2023	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2025 · Amount on Record
Deed Sale	Jun 16, 2025 · Amount on Record
Prior Sale	Sep 27, 2023 · Amount on Record
Deed Document Number	202516790
Prior Transfer Date	Oct 9, 2014
Prior Transfer Doc	0000042307
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 22, 2025
Property Address	331 PANAY ST, MORRO BAY, CA 93442-2931
Document Number	0000039282
Map Reference	MB 2 PG 15
Instrument Date	Dec 12, 2025
Instrument	2025039282
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Tenants in Common
Address	331 PANAY ST, MORRO BAY, CA 93442-2931

Mortgage

Document Number	0000039283
Date	Dec 22, 2025
Instrument	2025039283

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 27, 2023
Property Address	331 PANAY ST, MORRO BAY, CA 93442-2931
Document Number	0000028329
Map Reference	MB 2 PG 15
Instrument Date	Aug 31, 2023
Instrument	2023028329
Transaction Type	Transfer
Record Updated	Oct 6, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Revocable Trust
Address	1145 MORRO AVE, MORRO BAY, CA 93442-2019

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		$559,900 (+26.19%) Land $483,550 Building $76,350
2025	$4,890.00 (+112.15%)	$443,700 (+113.01%) Land $382,500 Building $61,200
2023	$2,305.00 (+6.66%)	$208,304 Land $177,536 Building $30,768
2022	$2,161.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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.

Nearby Properties on Panay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures