441 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 441 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,549 sqft · built 2004
Lot Size	0.089 acres (3,896 sqft)
Owner	2 Company Names on File
Last Sale	$850,000 (Jul 2004)
Tax Bill	$14,728 (2025)
Deeds & Mortgages	Oct 2025 Transfer Apr 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-174-008`

Property Details

APN / Parcel Number

Primary APN	`066-174-008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,549 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	3,896 sqft (0.089 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	441 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TR 2285 LT 6
Legal Subdivision	TRACT 2285 MORRO COVE
Legal Tract	2285
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1020
Census Tract	10602

Owner

Source: San Luis Obispo County assessment roll, 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 File
Mailing Address	11372 N SANDHAVEN AVE, FRESNO, CA 93730-7015
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Intrafamily Transfer, Transfer
Apr 3, 2023	Intrafamily Transfer, Transfer
Aug 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage ZB NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 23, 2004 · Amount on Record
Deed Sale	Jul 23, 2004 · Amount on Record
Deed Document Number	200464963
Last Transfer Date	Sep 26, 2023
Transfer Doc	0000028941
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 3, 2025
Property Address	441 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000029237
Map Reference	MB 21 PG 21
Instrument Date	Sep 29, 2025
Instrument	2025029237
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	11372 N SANDHAVEN AVE, FRESNO, CA 93730-7015

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 3, 2023
Property Address	441 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000009085
Map Reference	MB 21 PG 21
Instrument Date	Mar 28, 2023
Instrument	2023009085
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 45019, FRESNO, CA 93718-5019

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	441 MAIN ST, MORRO BAY, CA 93442-2539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11372 N SANDHAVEN AVE, FRESNO, CA 93730-7015

Mortgage

Document Number	0000046063
Date	Aug 28, 2020
Instrument	2020046063

Lender

Name	ZB NA
Type	Bank
Address	SAN CLEMENTE, CA 92672

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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		$1,362,993 (+2%) Land $710,640 Building $652,353
2025	$14,728.00 (+14.95%)	$1,336,268 (+15.43%) Land $696,706 Building $639,562
2023	$12,813.00 (+6.69%)	$1,157,642 Land $535,906 Building $621,736
2022	$12,010.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Radiate Holdings 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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

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