408 Panay St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 408 Panay St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 946 sqft · built 1972
Lot Size	0.078 acres (3,400 sqft)
Owner	Company Name on File
Last Sale	$282,500 (May 2002)
Tax Bill	$4,522 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`065-056-030`

Property Details

APN / Parcel Number

Primary APN	`065-056-030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	946 sqft Living Area
1st Floor Area	946 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	3,400 sqft (0.078 acres)
Lot Dimensions	60 ft deep x 40 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	408 PANAY ST
City	MORRO BAY
State	CA
Zip	93442-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 4E LT 2
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
Census Tract	10506

Owner

408 Panay St is owned by a company that acquired it in June 2022 and is owner-occupied.

Source: San Luis Obispo County records, as of September 3, 2026

Owner of Record	Company Name on File
Mailing Address	408 PANAY ST, MORRO BAY, CA 93442-2932
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
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 10, 2022	Intrafamily Transfer, Transfer
Jun 10, 2022	Affidavit of Death of Joint Tenant, Transfer
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2002 · Amount on File
Deed Sale	May 16, 2002 · Amount on File
Deed Document Number	200240606
Last Transfer Date	Jun 2, 2022
Transfer Doc	0000024831
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 26, 2026
Property Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Document Number	0000027189
Instrument Date	Jul 28, 2026
Instrument	202627189
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	408 PANAY ST, MORRO BAY, CA 93442-2932

Mortgage

Document Number	0000027189,
Date	Aug 26, 2026
Instrument	202627189

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027566
Date	Sep 19, 2023
Instrument	2023027566

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 10, 2022
Property Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Document Number	0000024831
Map Reference	MB 2 PG 15
Instrument Date	Jun 2, 2022
Instrument	2022024831
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Investor	Possibly a Property Investor

June 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 10, 2022
Property Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Document Number	0000024830
Instrument Date	Jun 2, 2022
Instrument	2022024830
Transaction Type	Transfer
Record Updated	Jun 23, 2022

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
Address	408 PANAY ST, MORRO BAY, CA 93442-2932

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	408 PANAY ST, MORRO BAY, CA 93442-2932
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 PANAY ST, MORRO BAY, CA 93442-2932

Mortgage

Document Number	0000016170
Date	Apr 12, 2022
Instrument	2022016170

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 408 Panay St was $4,522 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		$512,871 (+22.9%) Land $301,360 Building $211,511
2025	$4,522.00 Homeowner's exemption	$417,315 Land $295,451 Building $121,864
2023	$4,362.00 (+4.83%) Homeowner's exemption	$401,112 Land $283,979 Building $117,133
2022	$4,161.00

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

Flood

FEMA maps place 408 Panay 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 408 Panay 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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