455 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 455 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,549 sqft · built 2004
Lot Size	0.089 acres (3,896 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Dec 2018)
Tax Bill	$10,451 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-174-011`

Property Details

APN / Parcel Number

Primary APN	`066-174-011`

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	455 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 9
Legal Subdivision	TRACT NO 2285
Legal Tract	2285
Legal Block	1
Legal Lot Number	9
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 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	2 Individual Names on Record
Mailing Address	455 MAIN ST, MORRO BAY, CA 93442-2539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage SIGN ON THE LINE INC
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIGN ON THE LINE INC
Apr 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIGN ON THE LINE INC
Dec 3, 2018	Grant Deed, Transfer · Conventional Mortgage SIGN ON THE LINE INC
Dec 3, 2018	Affidavit of Death, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	201849693
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	455 MAIN ST, MORRO BAY, CA 93442-2539
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	PACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1702 ALBION AVE, SANTA ANA, CA 92705-6800

Mortgage

Document Number	0000032880
Date	May 3, 2021
Instrument	2021032880

Lender

Name	SIGN ON THE LINE INC
Type	Non-Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	455 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000018781
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	VANTAGE POINT TITLE, VANTAGE PT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1702 ALBION AVE SANTA ANA CA 927056800, SANTA ANA, CA 92705-6800

Mortgage

Document Number	0000018781
Date	Apr 17, 2020
Instrument	18781

Lender

Name	SIGN ON THE LINE INC
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	455 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000014685
Instrument Date	Apr 9, 2019
Transaction Type	Mortgage
Record Updated	May 3, 2019
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1702 ALBION AVE SANTA ANA CA 927056800, SANTA ANA, CA 92705-6800

Mortgage

Document Number	0000014685
Date	Apr 24, 2019
Instrument	14685

Lender

Name	SIGN ON THE LINE INC
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 3, 2018
Property Address	455 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000049693
Instrument Date	Nov 27, 2018
Instrument	49693
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$935.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1702 ALBION AVE SANTA ANA CA 927056800, SANTA ANA, CA 92705-6800

Mortgage

Document Number	49694
Date	Dec 3, 2018
Instrument	49694

Lender

Name	SIGN ON THE LINE INC
Address	100 SPECTRUM CENTER DR # 520, IRVINE, CA 92618-4968

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2048

December 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 3, 2018
Property Address	455 MAIN ST, MORRO BAY, CA 93442-2539
Document Number	0000049692
Instrument Date	Nov 15, 2018
Instrument	49692
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	455 MAIN ST MORRO BAY CA 934422539, MORRO BAY, CA 93442-2539

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		$967,149 (+2%) Land $455,129 Building $512,020
2025	$10,451.00 (+3.61%)	$948,186 (+4.04%) Land $446,205 Building $501,981
2023	$10,087.00 (+6.68%)	$911,369 Land $428,879 Building $482,490
2022	$9,455.00

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 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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