448 Morro Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 448 Morro Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,875 sqft · built 2004
Lot Size	0.099 acres (4,319 sqft)
Owner	Company Name on Record
Last Sale	$1,000,000 (Jun 2004)
Tax Bill	$15,593 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-174-030`

Property Details

APN / Parcel Number

Primary APN	`066-174-030`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,875 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	4,319 sqft (0.099 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	448 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 28
Legal Subdivision	MORRO COVE
Legal Tract	2285
Legal Block	1
Legal Lot Number	28
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 August 6, 2026

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

Owner of Record	Company Name on Record
Mailing Address	324 3RD AVE, SAN FRANCISCO, CA 94118-2403
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 19, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 27, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2004 · Amount on Record
Deed Sale	Jun 25, 2004 · Amount on Record
Deed Document Number	200455978
Last Transfer Date	May 26, 2020
Transfer Doc	0000043925
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	448 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Aug 19, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 MORRO AVE, MORRO BAY, CA 93442-2514

Mortgage

Document Number	0000055857
Date	Aug 10, 2021
Instrument	2021055857

Lender

Name	ROCKET MORTGAGE LLC
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	Other
Margin	3
Max Rate	7%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	448 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 3RD AVE, SAN FRANCISCO, CA 94118-2403

Mortgage

Document Number	0000062633
Date	Nov 2, 2020
Instrument	2020062633

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	448 MORRO AVE, MORRO BAY, CA 93442-2514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTMINSTER TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043249
Date	Oct 8, 2019
Instrument	2019043249

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2049

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 19, 2020
Property Address	448 MORRO AVE, MORRO BAY, CA 93442-2514
Document Number	0000043925
Instrument Date	May 26, 2020
Instrument	43925
Transaction Type	Transfer
Record Updated	Sep 3, 2020
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	448 MORRO AVE MORRO BAY CA 934422514, MORRO BAY, CA 93442-2514

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 27, 2019
Property Address	448 MORRO AVE, MORRO BAY, CA 93442-2514
Document Number	0000035427
Map Reference	MB 21 PG 21
Instrument Date	Aug 22, 2019
Instrument	2019035427
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	WESTMINSTER TITLE CO INC

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	Community Property with Right of Survivorship
Address	448 MORRO AVE, MORRO BAY, CA 93442-2514

Mortgage

Document Number	0000035428
Date	Aug 27, 2019
Instrument	2019035428

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$1,450,211 (+2%) Land $717,854 Building $732,357
2025	$15,593.00 (+3.62%) Homeowner's exemption	$1,421,777 (+4.04%) Land $703,779 Building $717,998
2023	$15,048.00 (+6.69%) Homeowner's exemption	$1,366,569 Land $676,451 Building $690,118
2022	$14,104.00

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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