San Luis Obispo County property record for 375 Pico St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,098 sqft · built 1958 |
| Lot Size | 0.107 acres (4,650 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Dec 2001) |
| Tax Bill | $3,586 (2025) |
| Deeds & Mortgages | Feb 2024 Reverse Mortgage Oct 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-331-007 |
| Primary APN | 068-331-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,098 sqft Living Area |
| 1st Floor Area | 1,098 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Construction Type | Wood |
| Lot Area | 4,650 sqft (0.107 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 375 PICO ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB TR 1 BL 1 LT 7 |
| Legal Subdivision | MORRO BAY 01 |
| Legal Tract | 1 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 10505 |
375 Pico St is owned and occupied by an individual who acquired it in April 2016.
Source: San Luis Obispo County records, as of August 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 375 PICO ST, MORRO BAY, CA 93442-1557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2024 | Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Oct 21, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2001 · Amount on File |
| Deed Sale | Dec 31, 2001 · Amount on File |
| Deed Document Number | 2001102371 |
| Last Transfer Date | Apr 13, 2016 |
| Transfer Doc | 0000016321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Feb 13, 2024 |
| Property Address | 375 PICO ST, MORRO BAY, CA 93442-1557 |
| Document Number | 0000003700 |
| Map Reference | MB 5 PG 17 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 2024003700 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2024 |
| Title Company | NOT AVAILABLE, FNC TITLE OF CALIFORNIA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 375 PICO ST, MORRO BAY, CA 93442-1557 |
| Document Number | 0000003701 |
|---|---|
| Date | Feb 13, 2024 |
| Instrument | 2024003701 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 1048 Months |
| Due | Jun 27, 2111 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.15% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 375 PICO ST, MORRO BAY, CA 93442-1557 |
| Document Number | 0000009054 |
| Instrument Date | Oct 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | PO BOX 955 MORRO BAY CA 934430955, MORRO BAY, CA 93443-0955 |
| Document Number | 0000009054 |
|---|---|
| Date | Feb 25, 2020 |
| Instrument | 9054 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 468 Months |
| Due | Feb 24, 2059 |
| Rate | 6.73% |
|---|
The 2025 property tax bill for 375 Pico St was $3,586 with a homeowner's exemption, up 1.8% from the year before.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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 | $339,017 (+2%) Land $210,949 Building $128,068 | |
| 2025 | $3,586.00 (+1.76%) Homeowner's exemption | $332,370 Land $206,813 Building $125,557 |
| 2024 | $3,524.00 (+1.91%) | |
| 2023 | $3,458.00 (+6.73%) Homeowner's exemption | $319,466 Land $198,783 Building $120,683 |
| 2022 | $3,240.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 375 Pico St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
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 risk around 375 Pico St is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 75% of California |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within 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 442 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
May also be available: GeoLinks, Verizon.
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