San Luis Obispo County property record for 450 Orcas St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.58 acres (2,526 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $215 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Sep 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-057-007 |
| Primary APN | 065-057-007 |
|---|
| Lot Area | 2,526 sqft (0.58 acres) |
|---|
| Street Address | 450 ORCAS ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | CY MB ATAS BCH BL 4F LT 8 |
| Legal Subdivision | ATASCADERO BEACH |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10506 |
450 Orcas St is owned and occupied by an individual who acquired it in September 2020.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 450 ORCAS ST, MORRO BAY, CA 93442-2926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 30, 2020 | Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Sep 30, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 21, 2020 |
| Transfer Doc | 0000054195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 450 ORCAS ST, MORRO BAY, CA 93442-2926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000023704 |
|---|---|
| Date | Jun 20, 2019 |
| Instrument | 2019023704 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 30, 2020 |
| Property Address | 450 ORCAS ST, MORRO BAY, CA 93442-2926 |
| Document Number | 0000054194 |
| Instrument Date | Sep 22, 2020 |
| Instrument | 54194 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 450 ORCAS ST MORRO BAY CA 934422926, MORRO BAY, CA 93442-2926 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 30, 2020 |
| Property Address | 450 ORCAS ST, MORRO BAY, CA 93442-2926 |
| Document Number | 0000054195 |
| Map Reference | MB 2 PG 15 |
| Instrument Date | Sep 21, 2020 |
| Instrument | 2020054195 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 450 ORCAS ST, MORRO BAY, CA 93442-2926 |
| Document Number | 0000054196 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 2020054196 |
| Name | COUNTRY CLUB MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 450 Orcas St was $215.
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 | $19,944 (+1.99%) Land $9,972 Building $9,972 | |
| 2025 | $215.00 | $19,554 Land $9,777 Building $9,777 |
| 2023 | $208.00 (+6.67%) | $18,798 Land $9,399 Building $9,399 |
| 2022 | $195.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 450 Orcas St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 File 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 risk around 450 Orcas St is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.
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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