431 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 431 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,506 sqft · built 1987
Lot Size	0.055 acres (2,400 sqft)
Owner	Company Name on File
Last Sale	$740,000 (Dec 2020)
Tax Bill	$8,751 (2025)
Deeds & Mortgages	Mar 2022 Transfer Dec 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`065-063-012`

Property Details

APN / Parcel Number

Primary APN	`065-063-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,506 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	431 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 19 LESS MIN RTS
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1010
Census Tract	10506

Owner

431 Luzon St is owned by a company that acquired it in February 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	431 LUZON ST, MORRO BAY, CA 93442-1319
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Mar 28, 2022	Intrafamily Transfer, Transfer
Dec 21, 2020	Grant Deed, Transfer · Conventional Mortgage COASTAL FUNDING SLC INC
Jun 29, 2018	Intrafamily Transfer, Transfer RESIDENTIAL WHOLESALE MORTGAGE INC
Apr 13, 2017	Quit Claim Deed, Transfer · Conventional Mortgage RJS
Apr 13, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on File
Deed Sale	Dec 21, 2020 · Amount on File
Prior Sale	Apr 11, 2014 · Amount on File
Deed Document Number	202075842
Last Transfer Date	Feb 22, 2022
Transfer Doc	0000013691
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 28, 2022
Property Address	431 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000013691
Map Reference	MB 2 PG 15
Instrument Date	Feb 22, 2022
Instrument	2022013691
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Living Trust
Address	431 LUZON ST, MORRO BAY, CA 93442-1319

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 21, 2020
Property Address	431 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000075842
Map Reference	MB 2 PG 15
Instrument Date	Dec 2, 2020
Instrument	2020075842
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	431 LUZON ST, MORRO BAY, CA 93442-1319

Mortgage

Document Number	0000075843
Date	Dec 21, 2020
Instrument	2020075843

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 29, 2018
Property Address	431 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000026771
Map Reference	MB2 PG15
Instrument Date	Jun 20, 2018
Instrument	2018026771
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 LUZON ST, MORRO BAY, CA 93442-1319

Mortgage

Document Number	0000026772
Date	Jun 29, 2018
Instrument	2018026772

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 13, 2017
Property Address	431 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000016220
Instrument Date	Apr 7, 2017
Instrument	16220
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	62-274 GOODALE AVE WAIALUA HI 96791, WAIALUA, HI 96791

Mortgage

Document Number	16221
Date	Apr 13, 2017
Instrument	16221

Lender

Name	RJS
Address	SAN DIEGO, CA 92126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 13, 2017
Property Address	431 LUZON ST, MORRO BAY, CA 93442-1319
Document Number	0000016219
Instrument Date	Apr 7, 2017
Instrument	16219
Transaction Type	Transfer
Record Updated	May 16, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	431 LUZON ST MORRO BAY CA 934421319, MORRO BAY, CA 93442-1319

Tax Assessment & Valuation

The 2025 property tax bill for 431 Luzon St was $8,751 with a homeowner's exemption.

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		$817,017 (+2%) Land $496,834 Building $320,183
2025	$8,751.00 Homeowner's exemption	$800,998 Land $487,093 Building $313,905
2023	$8,444.00 (+6.71%) Homeowner's exemption	$769,896 Land $468,180 Building $301,716
2022	$7,913.00

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

Flood

FEMA maps place 431 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 431 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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