365 Surf St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 365 Surf St, Morro Bay, CA 93442

Property Summary

Property Type	Quadplex
Details	4 bd · 4 ba · 2,448 sqft · built 1972
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$1,306,500 (Jan 2024)
Tax Bill	$14,686 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-312-009`

Property Details

APN / Parcel Number

Primary APN	`066-312-009`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1974
Architectural Style	Quadruplex
Construction Type	Wood
Lot Area	7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	365 SURF ST
City	MORRO BAY
State	CA
Zip	93442-2065
Property Category	Residential
Property Type	Residential > Multi-Unit > Quadplex
Local Zoning Code	30
Legal Description	CY MB TR 53 BL 3 LT 4
Legal Subdivision	TRACT 53
Legal Tract	53
Legal Block	3
Legal Lot Number	4
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	Company Name on Record
Mailing Address	7338 N TAMERA AVE, FRESNO, CA 93711-0132
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Grant Deed, Transfer · Conventional Mortgage MID VALLEY SERVICES INC
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024 · Amount on Record
Deed Sale	Jan 25, 2024 · Amount on Record
Prior Sale	Dec 17, 2002 · Amount on Record
Deed Document Number	20242029
Prior Transfer Date	Mar 25, 2009
Prior Transfer Doc	0000014322
Record Updated	Oct 29, 2026

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 25, 2024
Property Address	365 SURF ST, MORRO BAY, CA 93442-2065
Document Number	0000002029
Map Reference	MB 5 PG 74
Instrument Date	Dec 20, 2023
Instrument	2024002029
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7338 N TAMERA AVE, FRESNO, CA 93711-0132

Mortgage

Document Number	0000002030
Date	Jan 25, 2024
Instrument	2024002030

Lender

Name	MID VALLEY SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	365 SURF ST, MORRO BAY, CA 93442-2065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037746
Date	Jul 24, 2020
Instrument	2020037746

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2050

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		$1,359,074 (+2%) Land $416,160 Building $942,914
2025	$14,686.00 (+334.11%)	$1,332,426 (+335.95%) Land $408,000 Building $924,426
2023	$3,383.00 (+6.72%)	$305,636 Land $102,554 Building $203,082
2022	$3,170.00

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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