407 Estero Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 407 Estero Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 642 sqft · built 1938
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,485,000 (May 2018)
Tax Bill	$18,546 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-192-005`

Property Details

APN / Parcel Number

Primary APN	`066-192-005`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,839 sqft Living Area
1st Floor Area	642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	15,000 sqft (0.344 acres)
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	407 ESTERO AVE
City	MORRO BAY
State	CA
Zip	93442-2632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB MORRO HTS BL 25 LTS 2 & 3
Legal Subdivision	MORRO HEIGHTS
Legal Block	25
Legal Lot Number	2,3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2030
Census Tract	10602

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	407 ESTERO AVE, MORRO BAY, CA 93442-2632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 31, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	Mar 15, 1996 · Amount on Record
Deed Document Number	201822061
Prior Transfer Date	Dec 9, 1997
Prior Transfer Doc	0000071699
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	407 ESTERO AVE, MORRO BAY, CA 93442-2632
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 ESTERO AVE, MORRO BAY, CA 93442-2632

Mortgage

Document Number	0000032200
Date	Oct 21, 2025
Instrument	2025032200

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	407 ESTERO AVE, MORRO BAY, CA 93442-2632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038717
Date	Sep 13, 2019
Instrument	2019038717

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 31, 2018
Property Address	407 ESTERO AVE, MORRO BAY, CA 93442-2632
Document Number	0000022061
Map Reference	MB3 PG4
Instrument Date	May 2, 2018
Instrument	2018022061
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITE CO

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	430 PINEY WAY, MORRO BAY, CA 93442-2651

Mortgage

Document Number	0000022062
Date	May 31, 2018
Instrument	2018022062

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

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		$1,723,464 (+2%) Land $522,260 Building $1,201,204
2025	$18,546.00 (+3.62%) Homeowner's exemption	$1,689,671 (+4.04%) Land $512,020 Building $1,177,651
2023	$17,898.00 (+6.69%) Homeowner's exemption	$1,624,061 Land $492,139 Building $1,131,922
2022	$16,775.00

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
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	9 (1978–2023)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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

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	0.02% 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 921 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, Verizon.

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