3390 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 3390 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,693 sqft · built 2002
Lot Size	0.137 acres (6,002 sqft)
Owner	2 Trust Names on Record
Last Sale	$850,000 (Dec 2017)
Tax Bill	$10,660 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`065-085-020`

Property Details

APN / Parcel Number

Primary APN	`065-085-020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	2,693 sqft Living Area

Exterior

Year Built	Built 2002
Construction Type	Wood
Lot Area	6,002 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3390 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB PM 80/31-35 PAR 1
Legal Subdivision	PARCEL MAP MB 7-0274
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1048
Census Tract	10506

Owner

Source: San Luis Obispo County records, as of September 29, 2025

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

Owner of Record	2 Trust Names on Record
Co-owner	Co-owner on Record
Mailing Address	1820 W TYLER AVE, VISALIA, CA 93291-8386
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2017	Grant Deed, Transfer · Conventional Mortgage ALLY BANK
Dec 23, 2016	Deed of Trust, Mortgage LISA RAMSEY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Deed Document Number	2017060102
Record Updated	Jun 8, 2026

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 29, 2017
Property Address	3390 MAIN ST, MORRO BAY, CA 93442-2915
Document Number	0000060102
Map Reference	MB80 PG31-35
Instrument Date	Oct 10, 2017
Instrument	2017060102
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN 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	Family Trust
Address	627 N COMSTOCK CT, VISALIA, CA 93292-4425

Mortgage

Document Number	0000060103
Date	Dec 29, 2017
Instrument	2017060103

Lender

Name	ALLY BANK
Type	Bank

Agreement

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

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3390 MAIN ST, MORRO BAY, CA 93442-2915
Document Number	0000006120
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Nov 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3390 MAIN ST MORRO BAY CA 934422915, MORRO BAY, CA 93442-2915

Mortgage

Document Number	0000006120
Date	Feb 7, 2017
Instrument	6120

Lender

Name	LISA RAMSEY
Address	PO BOX 3479, SHELL BEACH, CA 93448-3479

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$10,660.00 (+3.61%)	$967,149 (+4.04%) Land $426,683 Building $540,466
2023	$10,289.00 (+6.69%)	$929,595 Land $410,115 Building $519,480
2022	$9,644.00

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 100 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 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% 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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