San Luis Obispo County property record for 440 Dunes St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.9 acres (3,920 sqft) |
| Owner | Company Name on File |
| Tax Bill | $665 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-063-002 |
| Primary APN | 066-063-002 |
|---|
| Lot Area | 3,920 sqft (0.9 acres) |
|---|
| Street Address | 440 DUNES ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 30 |
| Legal Description | CY MB TN MORRO BL 40 PTN LT 7 & 8 |
| Legal Subdivision | MORRO |
| Legal Block | 40 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 10603 |
440 Dunes St is owned by a company that acquired it in April 2002 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 440 DUNES ST, MORRO BAY, CA 93442-2106 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 29, 2002 |
| Transfer Doc | 0000038640 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 440 DUNES ST, MORRO BAY, CA 93442-2106 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3323 E OLIVE AVE, MERCED, CA 95340-9338 |
| Document Number | 0000001575 |
|---|---|
| Date | Jan 19, 2024 |
| Instrument | 2024001575 |
| Name | YOSEMITE FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Address | TURLOCK, CA 95381 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 440 Dunes St was $665 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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 |
|---|---|---|
| 2026 | $68,715 (+2%) Land $17,874 Building $50,841 | |
| 2025 | $665.00 Homeowner's exemption | $67,369 Land $17,524 Building $49,845 |
| 2023 | $639.00 (+7.04%) Homeowner's exemption | $64,755 Land $16,845 Building $47,910 |
| 2022 | $597.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 440 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 |
|
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 440 Dunes St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 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.
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