406 Morro Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 406 Morro Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,292 sqft · built 2004
Lot Size	0.091 acres (3,984 sqft)
Owner	Owner Name on Record
Tax Bill	$17,205 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-174-023`

Property Details

APN / Parcel Number

Primary APN	`066-174-023`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,292 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Construction Type	Wood
Lot Area	3,984 sqft (0.091 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	406 MORRO AVE
City	MORRO BAY
State	CA
Zip	93442-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TR 2285 LT 21
Legal Subdivision	2285 MORRA COVE
Legal Tract	2285
Legal Lot Number	21
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1016
Census Tract	10602

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	406 MORRO AVE, MORRO BAY, CA 93442-2514
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 28, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2004
Deed Sale	Sep 17, 2004
Deed Document Number	2004082470
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	406 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 MORRO AVE, MORRO BAY, CA 93442-2514

Mortgage

Document Number	0000055985
Date	Aug 11, 2021
Instrument	2021055985

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	406 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053327
Date	Dec 31, 2018
Instrument	2018053327

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2034

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	406 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027503
Date	Jul 15, 2019
Instrument	2019027503

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	406 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004304
Date	Jan 28, 2020
Instrument	2020004304

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 19, 2049

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$17,205.00 (+3.6%)	$1,561,030 (+4.04%) Land $906,037 Building $654,993
2023	$16,607.00 (+6.69%)	$1,500,414 Land $870,855 Building $629,559
2022	$15,566.00

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

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 289 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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