345 Arcadia Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 345 Arcadia Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 977 sqft · built 1932
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Oct 2011)
Tax Bill	$4,914 (2025)
Deeds & Mortgages	May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`066-242-013`

Property Details

APN / Parcel Number

Primary APN	`066-242-013`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	977 sqft Living Area
1st Floor Area	977 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	345 ARCADIA AVE
City	MORRO BAY
State	CA
Zip	93442-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO B VST 3 BL 9 LT 16
Legal Subdivision	MORRO BAY VISTA 03
Legal Tract	3
Legal Block	9
Legal Lot Number	16
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2021
Census Tract	10602

Owner

345 Arcadia Ave is owned by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	9550 VIA CIELO, ATASCADERO, CA 93422-6120
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2011 · Amount on File
Deed Sale	Oct 28, 2011 · Amount on File
Prior Sale	Nov 30, 2000 · Amount on File
Deed Document Number	201153902
Last Transfer Date	Apr 28, 2021
Transfer Doc	0000034605
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 7, 2021
Property Address	345 ARCADIA AVE, MORRO BAY, CA 93442-2802
Document Number	0000034605
Map Reference	MB 3 PG 58
Instrument Date	Apr 28, 2021
Instrument	2021034605
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Address	9550 VIA CIELO, ATASCADERO, CA 93422-6120

Mortgage

Document Number	0000034606
Date	May 7, 2021
Instrument	2021034606

Lender

Name	BANK OF SAN FRANCISCO
Type	Bank
Address	SAN FRANCISCO, CA 94105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 345 Arcadia Ave was $4,914.

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		$454,805 (+2%) Land $320,288 Building $134,517
2025	$4,914.00	$445,888 Land $314,008 Building $131,880
2023	$4,743.00 (+6.68%)	$428,575 Land $301,815 Building $126,760
2022	$4,446.00

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

Flood

FEMA maps place 345 Arcadia Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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	9 (1978–2023)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

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 345 Arcadia Ave is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 131 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
Ranch Wifi Fixed Wireless	100 / 20