340 Olive St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 340 Olive St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,342 sqft · built 1928
Lot Size	0.189 acres (8,250 sqft)
Owner	Company Name on File
Last Sale	$975,000 (Dec 2016)
Tax Bill	$12,395 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-222-040`

Property Details

APN / Parcel Number

Primary APN	`066-222-040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,342 sqft Living Area
1st Floor Area	1,342 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Wood
Lot Area	8,250 sqft (0.189 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	340 OLIVE ST
City	MORRO BAY
State	CA
Zip	93442-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TN MORRO CERRITO ADD BL J LT 1
Legal Subdivision	CY MB TN MORRO CERRITO ADD
Legal Block	J
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1044
Census Tract	10602

Owner

340 Olive St is owned by a company that bought it in December 2016 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	340 OLIVE ST, MORRO BAY, CA 93442-2723
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK
Apr 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage RABOBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2016 · Amount on File
Deed Sale	Dec 9, 2016 · Amount on File
Prior Sale	Dec 3, 2004
Deed Document Number	201664944
Prior Transfer Date	Sep 1, 2004
Prior Transfer Doc	0000077814
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	340 OLIVE ST, MORRO BAY, CA 93442-2723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FEDILITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019835
Date	Apr 24, 2020
Instrument	2020019835

Lender

Name	MECHANICS BANK
Type	Bank
Address	ARROYO GRANDE, CA 93421

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	340 OLIVE ST, MORRO BAY, CA 93442-2723
Document Number	0000014347
Instrument Date	Apr 11, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	340 OLIVE ST MORRO BAY CA 934422723, MORRO BAY, CA 93442-2723

Mortgage

Document Number	0000014347
Date	Apr 22, 2019
Instrument	14347

Lender

Name	RABOBANK
Type	Bank
Address	ARROYO GRANDE, CA 93421-6002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 21, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 340 Olive St was $12,395 with a homeowner's exemption.

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		$1,154,197 (+2%) Land $917,441 Building $236,756
2025	$12,395.00 Homeowner's exemption	$1,131,566 Land $899,452 Building $232,114
2023	$11,961.00 (+6.7%) Homeowner's exemption	$1,087,627 Land $864,526 Building $223,101
2022	$11,210.00

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

Flood

FEMA maps place 340 Olive St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 340 Olive St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 289 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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