411 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 411 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 814 sqft · built 1968
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Individual Names on File
Last Sale	$529,000 (Jul 2020)
Tax Bill	$6,311 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`065-063-024`

Property Details

APN / Parcel Number

Primary APN	`065-063-024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	814 sqft Living Area
1st Floor Area	814 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	60 ft deep x 40 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	411 LUZON ST
City	MORRO BAY
State	CA
Zip	93442-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 6B LT 21
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	21
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1010
Census Tract	10506

Owner

411 Luzon St is owned by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1484, MORRO BAY, CA 93443-1484
Owner Type	Individual

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
Jul 23, 2020	Grant Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Apr 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LNDG
Dec 5, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Dec 5, 2017	Grant Deed, Transfer · Conventional with PMI CENTRAL COAST LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2020 · Amount on File
Deed Sale	Jul 23, 2020 · Amount on File
Prior Sale	Dec 5, 2017 · Amount on File
Deed Document Number	202037646
Prior Transfer Date	Nov 21, 2017
Prior Transfer Doc	0000055543
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 23, 2020
Property Address	411 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000037646
Map Reference	MB 2 PG 15
Instrument Date	Jul 9, 2020
Instrument	2020037646
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	Community Property
Address	PO BOX 1484, MORRO BAY, CA 93443-1484

Mortgage

Document Number	0000037647
Date	Jul 23, 2020
Instrument	2020037647

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	411 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000019250
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	411 LUZON ST MORRO BAY CA 934421319, MORRO BAY, CA 93442-1319

Mortgage

Document Number	0000019250
Date	Apr 21, 2020
Instrument	19250

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2050

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 5, 2017
Property Address	411 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000055543
Instrument Date	Nov 21, 2017
Instrument	55543
Transaction Type	Transfer
Record Updated	Jan 5, 2018
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	411 LUZON ST MORRO BAY CA 934421319, MORRO BAY, CA 93442-1319

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 5, 2017
Property Address	411 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000055542
Instrument Date	Nov 8, 2017
Instrument	55542
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$522.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	411 LUZON ST MORRO BAY CA 934421319, MORRO BAY, CA 93442-1319

Mortgage

Document Number	55544
Date	Dec 5, 2017
Instrument	55544

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 411 Luzon St was $6,311.

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		$584,056 (+2%) Land $425,070 Building $158,986
2025	$6,311.00	$572,605 Land $416,736 Building $155,869
2023	$6,091.00 (+6.67%)	$550,371 Land $400,554 Building $149,817
2022	$5,710.00

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

Flood

FEMA maps place 411 Luzon 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 411 Luzon St is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 41% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 429 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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