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436 Estero Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 436 Estero Ave, Morro Bay, CA 93442 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,612 sqft · built 1936
Lot Size0.137 acres (6,000 sqft)
Owner2 Individual Names on File
Tax Bill$6,748 (2025)
Deeds & MortgagesApr 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN066-231-016

Property Details

APN / Parcel Number

Primary APN066-231-016

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,612 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1936
Construction TypeWood
Lot Area6,000 sqft (0.137 acres)
TerrainAbove Road/Slope
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address436 ESTERO AVE
CityMORRO BAY
StateCA
Zip93442-2633
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCY MB MORRO HTS BL 26 LT 18
Legal SubdivisionMORRO HEIGHTS
Legal Block26
Legal Lot Number18
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2031
Census Tract10602

Owner

Source: San Luis Obispo County records · APN 066-231-016

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record2 Individual Names on File
Mailing Address436 ESTERO AVE, MORRO BAY, CA 93442-2633
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 11, 2004
Deed SaleAug 11, 2004
Prior SaleApr 17, 2001 · Amount on Record
Deed Document Number2004071125
Record UpdatedJun 08, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address436 ESTERO AVE, MORRO BAY, CA 93442-2633
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyPLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000019502
DateApr 22, 2020
Instrument2020019502
Lender
NameFREMONT BANK
TypeBank
AddressLIVERMORE, CA 94551
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
MunicipalityMorro Bay City
Unified School DistrictSan 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.

YearTax BillAssessed Value
2025$6,748.00 (+3.64%) Homeowner's exemption$619,311 (+4.04%) Land $361,630 Building $257,681
2023$6,511.00 (+6.72%) Homeowner's exemption$595,265 Land $347,589 Building $247,676
2022$6,101.00

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 060790106022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims9 (1978–2023)
Claims Outside the SFHA4 of 9
Most Recent ClaimJan 2023, rainfall accumulation, Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims By Storm
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 11% of California
Wildfire LikelihoodAbout 1 in 4,167 per year
ExposureIndirect
within ember reach

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 921 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Radiate HoldingsFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
Ranch WiFiFixed Wireless (unlicensed)100 / 20
T-Mobile USAFixed Wireless100 / 20

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

Mobile Coverage

5G and 4G LTE

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