425 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 425 Main St, Morro Bay, CA 93442 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,117 sqft · built 2004
Lot Size	0.089 acres (3,896 sqft)
Owner	Individual Name on File
Last Sale	$855,000 (Aug 2019)
Tax Bill	$10,306 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-174-005`

Property Details

APN / Parcel Number

Primary APN	`066-174-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,117 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	3,896 sqft (0.089 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	425 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CY MB TR 2285 LT 3
Legal Subdivision	MORRO COVE TR 2285
Legal Tract	2285
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1020
Census Tract	10602

Owner

Source: San Luis Obispo County records · APN 066-174-005

Assessment roll updated August 6, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2821 W BORDER LINKS DR, VISALIA, CA 93291-4216
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit EVERETT FINANCIAL INC
Jun 15, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Jan 09, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 06, 2019	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE COMPANY
Aug 06, 2019	Grant Deed, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 06, 2019 · Amount on Record
Deed Sale	Aug 06, 2019 · Amount on Record
Prior Sale	May 18, 2007 · Amount on Record
Deed Document Number	201931722
Last Transfer Date	Nov 15, 2019
Transfer Doc	0000001148
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 10, 2026
Property Address	425 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000021673
Instrument Date	Jul 07, 2026
Instrument	202621673
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2821 W BORDER LINKS DR, VISALIA, CA 93291-4216

Mortgage

Document Number	0000021673,
Date	Jul 10, 2026
Instrument	202621673

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 07, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 15, 2026
Property Address	425 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000018747
Instrument Date	Jun 09, 2026
Instrument	202618747
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2821 W BORDER LINKS DR, VISALIA, CA 93291-4216

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 09, 2020
Property Address	425 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000001148
Instrument Date	Nov 15, 2019
Instrument	1148
Transaction Type	Transfer
Record Updated	Jan 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2821 W BORDER LINKS DR VISALIA CA 932914216, VISALIA, CA 93291-4216

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 17, 2019
Property Address	425 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000056457
Instrument Date	Nov 15, 2019
Instrument	56457
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	425 MAIN ST MORRO BAY CA 934422539, MORRO BAY, CA 93442-2539

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 06, 2019
Property Address	425 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000031723
Map Reference	MB 21 PG 21-24
Instrument Date	Aug 01, 2019
Instrument	2019031723
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	FIRST AMERICAN 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	2821 W BORDER LINKS DR, VISALIA, CA 93291-4216

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 06, 2019
Property Address	425 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000031722
Map Reference	MB 21 PG 21-24
Instrument Date	Jul 09, 2019
Instrument	2019031722
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	2821 W BORDER LINKS DR, VISALIA, CA 93291-4216

Mortgage

Document Number	0000031724
Date	Aug 06, 2019
Instrument	2019031724

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated August 6, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2025	$10,306.00 (+1.73%)	$935,062 (+4.04%) Land $519,480 Building $415,582
2024	$10,131.00 (+1.84%)
2023	$9,948.00 (+6.69%)	$898,755 Land $499,309 Building $399,446
2022	$9,324.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790106021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998, rainfall accumulation, Severe Winter Storms And Flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 289 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Radiate Holdings	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Ranch WiFi	Fixed Wireless (unlicensed)	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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