421 Island St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 421 Island St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,580 sqft · built 1984
Lot Size	0.078 acres (3,400 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,999 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-074-017`

Property Details

APN / Parcel Number

Primary APN	`065-074-017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,580 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	3,400 sqft (0.078 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	421 ISLAND ST
City	MORRO BAY
State	CA
Zip	93442-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 6F LT 20
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1024
Census Tract	10506

Owner

421 Island St is held in a trust since November 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	421 ISLAND ST, MORRO BAY, CA 93442-1303
Owner Type	Company
Vesting	Trust, Revocable Living 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
Jul 6, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Nov 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020
Deed Sale	Nov 3, 2020
Prior Sale	Jan 9, 2007 · Amount on File
Deed Document Number	202063206
Prior Transfer Date	Nov 2, 2020
Prior Transfer Doc	0000063206
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2026
Property Address	421 ISLAND ST, MORRO BAY, CA 93442-1303
Document Number	0000021044
Instrument Date	Jun 25, 2026
Instrument	202621044
Transaction Type	Transfer
Record Updated	Aug 30, 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	Revocable Living Trust
Address	421 ISLAND ST, MORRO BAY, CA 93442-1303

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 3, 2020
Property Address	421 ISLAND ST, MORRO BAY, CA 93442-1303
Document Number	0000063206
Instrument Date	Nov 2, 2020
Instrument	63206
Transaction Type	Transfer
Record Updated	Nov 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	421 ISLAND ST MORRO BAY CA 934421303, MORRO BAY, CA 93442-1303

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 17, 2020
Property Address	421 ISLAND ST, MORRO BAY, CA 93442-1303
Document Number	0000050951
Map Reference	MB 2 PG 15
Instrument Date	Sep 14, 2020
Instrument	2020050951
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CHICAGO TITLE COMPANY

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	421 ISLAND ST, MORRO BAY, CA 93442-1303

Mortgage

Document Number	0000050952
Date	Sep 17, 2020
Instrument	2020050952

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 421 Island St was $6,999.

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		$654,915 (+2%) Land $375,803 Building $279,112
2025	$6,999.00 Homeowner's exemption	$642,075 Land $368,435 Building $273,640
2023	$6,753.00 (+6.72%) Homeowner's exemption	$617,144 Land $354,129 Building $263,015
2022	$6,328.00

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

Flood

FEMA maps place 421 Island St in Zone X, an area of minimal flood risk, within 100 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 100 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 421 Island 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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