San Luis Obispo County property record for 449 Orcas St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 744 sqft · built 1975 |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Jul 2015) |
| Tax Bill | $4,436 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-056-016 |
| Primary APN | 065-056-016 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 744 sqft Living Area |
| 1st Floor Area | 744 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Wood |
| Lot Area | 2,400 sqft (0.055 acres) |
| Parking Spaces | 1 Parking Space |
| Street Address | 449 ORCAS ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | CY MB ATAS BCH BL 4E LT 22 |
| Legal Subdivision | ATASCADERO BEACH |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10506 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 14300 SANTA LUCIA RD, ATASCADERO, CA 93422-7010 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2015 · Amount on Record |
| Deed Sale | Jul 10, 2015 · Amount on Record |
| Deed Document Number | 201534350 |
| Prior Transfer Date | Aug 11, 2005 |
| Prior Transfer Doc | 0000074468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 449 ORCAS ST, MORRO BAY, CA 93442-2927 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 449 ORCAS ST, MORRO BAY, CA 93442-2927 |
| Document Number | 0000018108 |
|---|---|
| Date | Apr 25, 2022 |
| Instrument | 2022018108 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $410,534 (+2%) Land $301,865 Building $108,669 | |
| 2025 | $4,436.00 (+3.6%) | $402,486 (+4.04%) Land $295,947 Building $106,539 |
| 2023 | $4,282.00 (+6.7%) | $386,858 Land $284,456 Building $102,402 |
| 2022 | $4,013.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 55% of California |
|---|---|
| Wildfire Likelihood | 0.4% 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.
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 714 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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