420 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 420 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,060 sqft · built 1959
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$783,000 (Feb 2021)
Tax Bill	$9,341 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`065-065-003`

Property Details

APN / Parcel Number

Primary APN	`065-065-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,060 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	420 LUZON ST
City	MORRO BAY
State	CA
Zip	93442-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 6C LT 3 LESS MIN RTS
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1012
Census Tract	10506

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	2 Individual Names on Record
Mailing Address	1672 W ESCALON AVE, FRESNO, CA 93711-1938
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jun 17, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Prior Sale	Dec 13, 2012 · Amount on Record
Deed Document Number	202114898
Prior Transfer Date	May 23, 1995
Prior Transfer Doc	0000022477
Record Updated	Oct 29, 2026

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 25, 2021
Property Address	420 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000014898
Map Reference	MB 2 PG 15
Instrument Date	Feb 9, 2021
Instrument	2021014898
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1672 W ESCALON AVE, FRESNO, CA 93711-1938

Mortgage

Document Number	0000014899
Date	Feb 25, 2021
Instrument	2021014899

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 17, 2019
Property Address	420 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000023141
Instrument Date	Jun 5, 2019
Instrument	23141
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	420 LUZON ST MORRO BAY CA 934421320, MORRO BAY, CA 93442-1320

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		$864,493 (+2%) Land $469,233 Building $395,260
2025	$9,341.00 (+3.59%)	$847,543 (+4.04%) Land $460,033 Building $387,510
2023	$9,017.00 (+6.7%)	$814,633 Land $442,170 Building $372,463
2022	$8,451.00

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
Flood Insurance Cost	Premium on Record 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

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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