San Luis Obispo County property record for 385 Surf St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.163 acres (7,109 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,451 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-312-011 |
| Primary APN | 066-312-011 |
|---|
| Lot Area | 7,109 sqft (0.163 acres) |
|---|
| Street Address | 385 SURF ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 30 |
| Legal Description | CY MB TR 53 LT 2 BL 3 |
| Legal Subdivision | LOMITA TERRACE |
| Legal Tract | 53 |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 10603 |
385 Surf St is owned by a company that acquired it in April 1996.
Source: San Luis Obispo County records, as of August 6, 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 | Company Name on File |
|---|---|
| Mailing Address | 1225 SONNYS WAY, HOLLISTER, CA 95023-6639 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 15, 1996 |
| Transfer Doc | 0000024504 |
| Record Updated | Oct 29, 2026 |
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 | $134,345 (+2%) Land $24,978 Building $109,367 | |
| 2025 | $1,451.00 (+3.57%) | $131,712 (+4.04%) Land $24,489 Building $107,223 |
| 2023 | $1,401.00 (+6.7%) | $126,599 Land $23,539 Building $103,060 |
| 2022 | $1,313.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 385 Surf 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 385 Surf St is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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.
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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