San Luis Obispo County property record for 345 Embarcadero, Morro Bay, CA 93442
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 7,967 sqft · built 2003 |
| Lot Size | 0.41 acres (17,875 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $22,386 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Jul 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 940-000-189 |
| Primary APN | 940-000-189 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 7,967 sqft Gross Area |
| 1st Floor Area | 7,967 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 17,875 sqft (0.41 acres) |
| Sewer | Connected |
|---|
| Street Address | 345 EMBARCADERO |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2747 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | PI - SPORTFISHING/GIFT SHOP LEASE SITE 89-89W |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10603 |
Source: San Luis Obispo County records, as of April 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 755 SANTA ROSA ST, 310, SAN LUIS OBISPO, CA 93401-4805 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 4, 2020 | Deed of Trust, Mortgage PACIFIC PREMIER BK |
| Jul 16, 2019 | Loan Modification, Mortgage RABOBANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | MORRO BAY, CA 93442 |
| Document Number | 0000042000 |
| Instrument Date | Aug 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 755 SANTA ROSA ST SAN LUIS OBISPO CA 934012880, SAN LUIS OBISPO, CA 93401-2880 |
| Document Number | 0000042000 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 42000 |
| Name | PACIFIC PREMIER BK |
|---|---|
| Type | Bank |
| Address | 17901 VON KARMAN AVE, IRVINE, CA 92614-6297 |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | MORRO BAY, CA 93442 |
| Document Number | 0000030102 |
| Instrument Date | Jul 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1330 VAN BEURDEN DR #101 LOS OSOS CA 934023383, 101, LOS OSOS, CA 93402-3383 |
| Document Number | 0000030102 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 30102 |
| Name | RABOBANK |
|---|---|
| Type | Bank |
| Address | LOS OSOS, CA 93402 |
| Amount | Amount Recorded |
|---|
Source: San Luis Obispo County assessment roll, as of August 6, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,071,638 (+2%) Land $710,274 Building $1,361,364 | |
| 2025 | $22,386.00 (+84.14%) | $2,031,019 (+84.64%) Land $696,348 Building $1,334,671 |
| 2024 | $12,157.00 (-0.15%) | |
| 2023 | $12,175.00 (+4.6%) | $1,100,000 Land $600,000 Building $500,000 |
| 2022 | $11,640.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| 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 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 15 (1982–2023) |
| Claims Outside the SFHA | 3 of 15 |
| Most Recent Claim | Mar 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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.
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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 519 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: AT&T, Peak WiFi, Verizon.
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