405 Dunes St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 405 Dunes St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 978 sqft · built 1952
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$569,000 (Aug 2017)
Tax Bill	$2,679 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`066-044-005`

Property Details

APN / Parcel Number

Primary APN	`066-044-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	978 sqft Living Area
1st Floor Area	978 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	4,356 sqft (0.1 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	405 DUNES ST
City	MORRO BAY
State	CA
Zip	93442-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	CY MB TN MORRO M & M TR BL 50 PTN LT 5
Legal Subdivision	MORRO
Legal Block	50
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

405 Dunes St is owned by a company that acquired it in March 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Mar 25, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
Mar 28, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage SESLOC FCU
Jun 11, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
Jun 12, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 5, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 18, 2017	Grant Deed, Transfer · ARM SESLOC FCU
Aug 18, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2017 · Amount on File
Deed Sale	Aug 18, 2017 · Amount on File
Prior Sale	Feb 24, 1998 · Amount on File
Deed Document Number	201736841
Last Transfer Date	Mar 4, 2022
Transfer Doc	0000013423
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 25, 2022
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000013423
Map Reference	MB A PG 35
Instrument Date	Mar 4, 2022
Instrument	2022013423
Transaction Type	Transfer
Record Updated	Apr 5, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	405 DUNES ST, MORRO BAY, CA 93442-2105

Mortgage

Document Number	0000013424
Date	Mar 25, 2022
Instrument	2022013424

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 28, 2022
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000013805
Map Reference	MB A PG 35
Instrument Date	Mar 4, 2022
Instrument	2022013805
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	405 DUNES ST, MORRO BAY, CA 93442-2105

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022055
Date	May 31, 2018
Instrument	2018022055

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 11, 2020
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000028567
Map Reference	MB A PG 35
Instrument Date	Jun 6, 2020
Instrument	2020028567
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	405 DUNES ST, MORRO BAY, CA 93442-2105

Mortgage

Document Number	0000028568
Date	Jun 11, 2020
Instrument	2020028568

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 12, 2020
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000028719
Instrument Date	Apr 29, 2020
Instrument	28719
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	405 DUNES ST MORRO BAY CA 934422105, MORRO BAY, CA 93442-2105

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 5, 2018
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000027464
Instrument Date	Jun 27, 2018
Instrument	27464
Transaction Type	Transfer
Record Updated	Jul 12, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	405 DUNES ST MORRO BAY CA 934422105, MORRO BAY, CA 93442-2105

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 18, 2017
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000036841
Map Reference	MB A PG35
Instrument Date	Aug 8, 2017
Instrument	2017036841
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	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 DUNES ST, MORRO BAY, CA 93442-2105

Mortgage

Document Number	0000036843
Date	Aug 18, 2017
Instrument	2017036843

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 18, 2017
Property Address	405 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000036842
Instrument Date	Aug 2, 2017
Instrument	36842
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2335 RIVEROAKS DR BILLINGS MT 591055802, BILLINGS, MT 59105-5802

Tax Assessment & Valuation

The 2025 property tax bill for 405 Dunes St was $2,679 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		$255,096 (+2%) Land $138,671 Building $116,425
2025	$2,679.00 Homeowner's exemption	$250,095 Land $135,952 Building $114,143
2023	$2,583.00 (+6.78%) Homeowner's exemption	$240,385 Land $130,674 Building $109,711
2022	$2,419.00

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

FEMA maps place 405 Dunes St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

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 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

Wildfire risk around 405 Dunes St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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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