355 Surf St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 355 Surf St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,373 sqft · built 1951
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Oct 2022)
Tax Bill	$8,187 (2025)
Deeds & Mortgages	Oct 2022 Sale Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-312-008`

Property Details

APN / Parcel Number

Primary APN	`066-312-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,373 sqft Living Area
1st Floor Area	1,373 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Lot Area	7,500 sqft (0.172 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	355 SURF ST
City	MORRO BAY
State	CA
Zip	93442-2057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TR 53 BL 3 LT 5
Legal Subdivision	TRACT NO. 53
Legal Tract	53
Legal Block	3
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1029
Census Tract	10603

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	520 BERNARDO AVE, MORRO BAY, CA 93442-2336
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Grant Deed, Transfer PLACER TITLE COMPANY
Aug 2, 2019	Deed of Trust, Mortgage · ARM ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Prior Sale	Mar 16, 1998 · Amount on Record
Deed Document Number	202241766
Prior Transfer Date	Oct 2, 1996
Prior Transfer Doc	0000050559
Record Updated	Oct 29, 2026

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 20, 2022
Property Address	355 SURF ST, MORRO BAY, CA 93442-2057
Document Number	0000041766
Map Reference	MB 5 PG 74
Instrument Date	Oct 12, 2022
Instrument	2022041766
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 BERNARDO AVE, MORRO BAY, CA 93442-2336

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	355 SURF ST, MORRO BAY, CA 93442-2057
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031382
Date	Aug 2, 2019
Instrument	2019031382

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

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		$757,701 (+2%) Land $405,912 Building $351,789
2025	$8,187.00 (+3.59%)	$742,845 (+158.88%) Land $397,953 Building $344,892
2023	$7,903.00 (+165.47%)	$286,946 Land $153,461 Building $133,485
2022	$2,977.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 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	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% 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 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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