435 Dunes St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 435 Dunes St, Morro Bay, CA 93442

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2.5 ba · 1,848 sqft · built 1991
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$1,325,000 (Aug 2026)
Tax Bill	$2,433 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-044-006`

Property Details

APN / Parcel Number

Primary APN	`066-044-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	435 DUNES ST
City	MORRO BAY
State	CA
Zip	93442-2105
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R4
Legal Description	CY MB TN MORRO M & M TR BL 50 PTN LT 5 & 6
Legal Subdivision	MORRO
Legal Block	50
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1029
Census Tract	10603

Owner

435 Dunes St, a residential property, is owned by a company that bought it in August 2026.

Source: San Luis Obispo County records, as of September 3, 2026

Owner of Record	Company Name on File
Mailing Address	7720 WINDTREE RD, MOBILE, AL 36619-3652
Owner Type	Company
Vesting	Limited Liability Partnership

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
Aug 27, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE
Jul 8, 2026	Deed, Transfer FIDELITY NATIONAL TITLE
Jul 8, 2026	Grant Deed, Transfer · Conventional Mortgage WORLD O WORLD
Apr 27, 2026	Affidavit of Death of Trustee, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2026 · Amount on File
Deed Sale	Aug 27, 2026 · Amount on File
Prior Sale	Jul 8, 2026 · Amount on File
Deed Document Number	202627386
Prior Transfer Date	May 21, 2010
Prior Transfer Doc	0000023742
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 27, 2026
Property Address	435 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000027386
Instrument Date	Aug 19, 2026
Instrument	202627386
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$147,207.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	7720 WINDTREE RD, MOBILE, AL 36619-3652

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 8, 2026
Property Address	435 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000021374
Instrument Date	Jul 1, 2026
Instrument	202621374
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3369 SHEARER AVE, CAYUCOS, CA 93430-1842

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 8, 2026
Property Address	435 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000021373
Instrument Date	Jun 25, 2026
Instrument	202621373
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3369 SHEARER AVE, CAYUCOS, CA 93430-1842

Mortgage

Document Number	0000021375,
Date	Jul 8, 2026
Instrument	202621375

Lender

Name	WORLD O WORLD

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

April 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 27, 2026
Property Address	435 DUNES ST, MORRO BAY, CA 93442-2105
Document Number	0000012846
Instrument Date	Apr 21, 2026
Instrument	202612846
Transaction Type	Transfer
Record Updated	Aug 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1443 E WASHINGTON BLVD, PASADENA, CA 91104-2650

Tax Assessment & Valuation

The 2025 property tax bill for 435 Dunes St was $2,433, down 4.4% from the year before.

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		$239,513 (+2%) Land $42,189 Building $197,324
2025	$2,433.00 (-4.36%)	$234,817 Land $41,362 Building $193,455
2024	$2,544.00 (+5.12%)
2023	$2,420.00 (+6.75%) Homeowner's exemption	$225,700 Land $39,756 Building $185,944
2022	$2,267.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 435 Dunes St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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 435 Dunes St is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 76% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

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 519 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Peak WiFi, Verizon.

Nearby Properties on Dunes St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures