381 Mindoro St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 381 Mindoro St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 1971
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Jul 2017)
Tax Bill	$5,942 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-062-023`

Property Details

APN / Parcel Number

Primary APN	`065-062-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,074 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Lot Area	2,614 sqft (0.06 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	381 MINDORO ST
City	MORRO BAY
State	CA
Zip	93442-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	CY MB ATAS BCH BL 7A LT 12
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1031
Census Tract	10506

Owner

381 Mindoro St is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	381 MINDORO ST, MORRO BAY, CA 93442-1322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Dec 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE HOUSE
Feb 26, 2018	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE HOUSE
Jul 25, 2017	Grant Deed, Transfer · FHA Mortgage THE MORTGAGE HOUSE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2017 · Amount on File
Deed Sale	Jul 25, 2017 · Amount on File
Prior Sale	Jan 22, 2014 · Amount on File
Deed Document Number	201732401
Prior Transfer Date	Sep 19, 2013
Prior Transfer Doc	0000056199
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	381 MINDORO ST, MORRO BAY, CA 93442-1322
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 MINDORO ST, MORRO BAY, CA 93442-1322

Mortgage

Document Number	0000078836
Date	Dec 31, 2020
Instrument	2020078836

Lender

Name	THE MORTGAGE HOUSE
Type	Non-Lending Institution
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	381 MINDORO ST, MORRO BAY, CA 93442-1322
Document Number	0000008765
Instrument Date	Feb 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	381 MINDORO ST MORRO BAY CA 934421322, MORRO BAY, CA 93442-1322

Mortgage

Document Number	0000008765
Date	Mar 6, 2018
Instrument	8765

Lender

Name	MORTGAGE HOUSE
Type	Mortgage Company
Address	CALABASAS, CA 91301

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2048

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 25, 2017
Property Address	381 MINDORO ST, MORRO BAY, CA 93442-1322
Document Number	0000032401
Map Reference	MB2 PG15
Instrument Date	Jun 29, 2017
Instrument	2017032401
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	381 MINDORO ST, MORRO BAY, CA 93442-1322

Mortgage

Document Number	0000032402
Date	Jul 25, 2017
Instrument	2017032402

Lender

Name	THE MORTGAGE HOUSE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 381 Mindoro St was $5,942 with a homeowner's exemption.

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		$557,075 (+2%) Land $377,187 Building $179,888
2025	$5,942.00 Homeowner's exemption	$546,153 Land $369,792 Building $176,361
2023	$5,733.00 (+6.72%) Homeowner's exemption	$524,947 Land $355,434 Building $169,513
2022	$5,372.00

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

Flood

FEMA maps place 381 Mindoro St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 33 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	33 in force
Nearby Flood Claims	1 (2004)
Most Recent Claim	Dec 2004 · rainfall accumulation

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 381 Mindoro St is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 61% of the US · lower than 63% of California
Wildfire Likelihood	0.2% 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 714 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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