3329 Panorama Dr, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 3329 Panorama Dr, Morro Bay, CA 93442

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,080 sqft · built 1972
Lot Size	0.025 acres (1,080 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Sep 2026)
Tax Bill	$4,032 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`065-045-048`

Property Details

APN / Parcel Number

Primary APN	`065-045-048`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	1,080 sqft (0.025 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3329 PANORAMA DR
City	MORRO BAY
State	CA
Zip	93442-2992
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Description	TR 450 U 30 & PTN COMM AREA
Legal Subdivision	TRACT 450 UN 30
Legal Tract	450
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1039
Census Tract	10506

Owner

3329 Panorama Dr, a condominium, is owned and occupied by an individual who bought it in September 2026.

Source: San Luis Obispo County records, as of September 22, 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	Individual Name on File
Mailing Address	8050 GRAVES CREEK RD, ATASCADERO, CA 93422-1801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Grant Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Mar 18, 2016 · Amount on File
Deed Document Number	202628990
Record Updated	Oct 29, 2026

September 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 11, 2026
Property Address	3329 PANORAMA DR, MORRO BAY, CA 93442-2992
Document Number	0000028990
Instrument Date	Aug 12, 2026
Instrument	202628990
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,105.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8050 GRAVES CREEK RD, ATASCADERO, CA 93422-1801

Mortgage

Document Number	0000028991,
Date	Sep 11, 2026
Instrument	202628991

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3329 PANORAMA DR, MORRO BAY, CA 93442-2992
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3329 PANORAMA DR, MORRO BAY, CA 93442-2992

Mortgage

Document Number	0000075011
Date	Nov 9, 2021
Instrument	2021075011

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3329 Panorama Dr was $4,032 with a homeowner's exemption, up 1.7% from the year before.

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		$380,345 (+2%) Land $241,491 Building $138,854
2025	$4,032.00 (+1.74%) Homeowner's exemption	$372,888 Land $236,756 Building $136,132
2024	$3,963.00 (+1.9%)
2023	$3,889.00 (+6.72%) Homeowner's exemption	$358,410 Land $227,563 Building $130,847
2022	$3,644.00

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

Flood

FEMA maps place 3329 Panorama Dr 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	Varies along the reach; see FIRM
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 3329 Panorama Dr is high, ranking above 70% of the US, with a 0.3% annual chance of 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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