San Luis Obispo County property record for 433 Oahu St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,667 sqft · built 2016 |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Aug 2019) |
| Tax Bill | $9,220 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-057-039 |
| Primary APN | 065-057-039 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,667 sqft Living Area |
| Year Built | Built 2016 |
|---|---|
| Construction Type | Wood |
| Lot Area | 2,400 sqft (0.055 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 433 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 BLK 4F LT 24 |
| Legal Subdivision | ATASCADERO BEACH |
| Legal Block | 4F |
| Legal Lot Number | 24 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10506 |
433 Oahu St is owned and occupied by two individuals who bought it in August 2019.
Source: San Luis Obispo County records, as of September 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 433 OAHU ST, MORRO BAY, CA 93442-2923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RATE PLUS INC |
| Aug 9, 2019 | Grant Deed, Transfer GOLDEN 1 CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2019 · Amount on File |
| Deed Sale | Aug 9, 2019 · Amount on File |
| Prior Sale | Oct 5, 2012 · Amount on File |
| Deed Document Number | 2019032575 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 433 OAHU ST, MORRO BAY, CA 93442-2923 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Title Company | TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH |
| Name | Verified Name |
|---|---|
| Address | 433 OAHU ST, MORRO BAY, CA 93442-2923 |
| Document Number | 0000058986 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 2021058986 |
| Name | RATE PLUS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 9, 2019 |
| Property Address | 433 OAHU ST, MORRO BAY, CA 93442-2923 |
| Document Number | 0000032575 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 32575 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2019 |
| Title Company | STEWART TITLE, STEWART TITLE/CA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 433 OAHU ST MORRO BAY CA 934422923, MORRO BAY, CA 93442-2923 |
| Document Number | 32576 |
|---|---|
| Date | Aug 9, 2019 |
| Instrument | 32576 |
| Name | GOLDEN 1 CU |
|---|---|
| Type | Credit Union |
| Address | SACRAMENTO, CA 95826 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 8, 2049 |
The 2025 property tax bill for 433 Oahu St was $9,220.
Source: San Luis Obispo County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,220.00 | $836,552 Land $492,139 Building $344,413 |
| 2023 | $8,726.00 (+6.69%) | $788,383 Land $473,030 Building $315,353 |
| 2022 | $8,179.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 433 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 risk around 433 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.
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 |
| 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.
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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