417 Oahu St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 417 Oahu St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 680 sqft · built 1945
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Trust Names on File
Last Sale	$349,000 (Mar 2008)
Tax Bill	$4,975 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`065-057-019`

Property Details

APN / Parcel Number

Primary APN	`065-057-019`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	680 sqft Living Area
1st Floor Area	680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	417 OAHU ST
City	MORRO BAY
State	CA
Zip	93442-2923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 4F LT 26
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	26
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1020
Census Tract	10506

Owner

417 Oahu St is owner-occupied and held in a trust since April 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Apr 21, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 21, 2026	Affidavit, Transfer
Jun 3, 2020	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 29, 2017	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2008 · Amount on File
Deed Sale	Mar 13, 2008 · Amount on File
Prior Sale	Apr 23, 2004 · Amount on File
Deed Document Number	200812371
Last Transfer Date	Apr 21, 2026
Transfer Doc	0000012238
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2026
Property Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Document Number	0000012238
Instrument Date	Apr 21, 2026
Instrument	202612238
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	417 OAHU ST, MORRO BAY, CA 93442-2923

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 21, 2026
Property Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Document Number	0000012237
Instrument Date	Apr 15, 2026
Instrument	202612237
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 OAHU ST, MORRO BAY, CA 93442-2923

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Document Number	0000036767
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	417 OAHU ST MORRO BAY CA 934422923, MORRO BAY, CA 93442-2923

Mortgage

Document Number	0000036767
Date	Jul 20, 2020
Instrument	36767

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Document Number	0000033294
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	417 OAHU ST MORRO BAY CA 934422923, MORRO BAY, CA 93442-2923

Mortgage

Document Number	0000033294
Date	Jul 6, 2020
Instrument	33294

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Document Number	0000001156
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 OAHU ST MORRO BAY CA 934422923, MORRO BAY, CA 93442-2923

Mortgage

Document Number	0000001156
Date	Jan 11, 2018
Instrument	1156

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	417 OAHU ST, MORRO BAY, CA 93442-2923
Document Number	0000001157
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 OAHU ST MORRO BAY CA 934422923, MORRO BAY, CA 93442-2923

Mortgage

Document Number	0000001157
Date	Jan 11, 2018
Instrument	1157

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 417 Oahu St was $4,975, up 1.8% from the year before.

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		$467,569 (+2%) Land $368,434 Building $99,135
2025	$4,975.00 (+1.76%) Homeowner's exemption	$458,402 Land $361,210 Building $97,192
2024	$4,889.00 (+1.88%)
2023	$4,799.00 (+6.72%) Homeowner's exemption	$440,604 Land $347,185 Building $93,419
2022	$4,497.00

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

Flood

FEMA maps place 417 Oahu 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 417 Oahu St is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 55% of California
Wildfire Likelihood	0.4% 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 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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