442 Morro Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 442 Morro Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,618 sqft · built 2004
Lot Size	0.101 acres (4,411 sqft)
Owner	Company Name on File
Last Sale	$1,600,000 (Jan 2007)
Tax Bill	$23,627 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-174-029`

Property Details

APN / Parcel Number

Primary APN	`066-174-029`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,618 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	4,411 sqft (0.101 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	442 MORRO AVE
City	MORRO BAY
State	CA
Zip	93442-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TR 2285 LT 27
Legal Subdivision	MORRO COVE
Legal Tract	2285
Legal Block	1
Legal Lot Number	27
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1016
Census Tract	10602

Owner

Source: San Luis Obispo County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 20035, BAKERSFIELD, CA 93390-0035
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage ETHOS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2007 · Amount on File
Deed Sale	Jan 5, 2007 · Amount on File
Deed Document Number	2007827
Last Transfer Date	Feb 7, 2008
Transfer Doc	0000006989
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	442 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15902 LEGACY CT, BAKERSFIELD, CA 93314-7853

Mortgage

Document Number	0000015276
Date	Feb 26, 2021
Instrument	2021015276

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	442 MORRO AVE, MORRO BAY, CA 93442-2514
Document Number	0000034392
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	15902 LEGACY CT BAKERSFIELD CA 933147853, BAKERSFIELD, CA 93314-7853

Mortgage

Document Number	0000034392
Date	Aug 3, 2017
Instrument	34392

Lender

Name	ETHOS LNDG
Address	PITTSBURGH, PA 15212

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2047

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		$2,186,522 (+2%) Land $1,366,579 Building $819,943
2025	$23,627.00 (+9.24%)	$2,143,650 (+9.71%) Land $1,339,784 Building $803,866
2023	$21,628.00 (+20.86%)	$1,954,000 Land $1,220,000 Building $734,000
2022	$17,895.00

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
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 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 289 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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