440 Luzon St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 440 Luzon St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 748 sqft · built 1961
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Company Names on Record
Last Sale	$759,000 (Apr 2026)
Tax Bill	$5,757 (2025)
Deeds & Mortgages	Apr 2026 Sale Sep 2020 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`065-065-018`

Property Details

APN / Parcel Number

Primary APN	`065-065-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	748 sqft Living Area
1st Floor Area	748 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	440 LUZON ST
City	MORRO BAY
State	CA
Zip	93442-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 6C LT 5
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1012
Census Tract	10506

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Grant Deed, Transfer OLD REPUBLIC TITLE
Sep 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 6, 2020	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Mar 6, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Dec 10, 2018	Affidavit of Death, Transfer ATTORNEY ONLY
Aug 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Mar 6, 2020 · Amount on Record
Deed Document Number	202612909
Prior Transfer Date	Sep 28, 2020
Prior Transfer Doc	0000053663
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 27, 2026
Property Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000012909
Instrument Date	Apr 17, 2026
Instrument	2026.12909
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$84,324.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	440 LUZON ST, MORRO BAY, CA 93442-1320

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 28, 2020
Property Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000053663
Instrument Date	Sep 28, 2020
Instrument	53663
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	440 LUZON ST MORRO BAY CA 934421320, MORRO BAY, CA 93442-1320

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 6, 2020
Property Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000011322
Map Reference	MB 2 PG 15
Instrument Date	Feb 27, 2020
Instrument	2020011322
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	440 LUZON ST, MORRO BAY, CA 93442-1320

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 6, 2020
Property Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000011323
Instrument Date	Feb 24, 2020
Instrument	11323
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	440 LUZON ST MORRO BAY CA 934421320, MORRO BAY, CA 93442-1320

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 10, 2018
Property Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000050815
Instrument Date	Dec 5, 2018
Instrument	50815
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	440 LUZON ST MORRO BAY CA 934421320, MORRO BAY, CA 93442-1320

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 29, 2017
Property Address	440 LUZON ST, MORRO BAY, CA 93442-1320
Document Number	0000038610
Instrument Date	Aug 24, 2017
Instrument	38610
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	609 S WOODLAND ST VISALIA CA 932772070, VISALIA, CA 93277-2070

Tax Assessment & Valuation

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		$539,905 (+2%) Land $390,429 Building $149,476
2025	$5,757.00 (+1.75%) Homeowner's exemption	$529,320 (+4.04%) Land $382,774 Building $146,546
2024	$5,658.00 (+1.89%)
2023	$5,553.00 (+6.71%) Homeowner's exemption	$508,767 Land $367,911 Building $140,856
2022	$5,204.00

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

Flood

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 Record 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

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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