458 Dunes St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 458 Dunes St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1935
Lot Size	0.089 acres (3,872 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Sep 2011)
Tax Bill	$6,185 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-063-009`

Property Details

APN / Parcel Number

Primary APN	`066-063-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,300 sqft Living Area
1st Floor Area	651 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Wood
Lot Area	3,872 sqft (0.089 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	458 DUNES ST
City	MORRO BAY
State	CA
Zip	93442-2106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	CY MB TN MORRO TR 2 BL 40 LT 4
Legal Tract	2
Legal Block	40
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1033
Census Tract	10603

Owner

458 Dunes St is owned and occupied by two individuals who acquired it in April 2020.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	458 DUNES ST, MORRO BAY, CA 93442-2106
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Deed of Trust, Mortgage · Commercial Mortgage YOSEMITE FARM CREDIT ACA
Jul 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
May 6, 2020	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2011 · Amount on File
Deed Sale	Sep 30, 2011 · Amount on File
Deed Document Number	201147502
Last Transfer Date	Apr 25, 2020
Transfer Doc	0000021887
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	458 DUNES ST, MORRO BAY, CA 93442-2106
Transaction Type	Mortgage
Record Updated	Jan 29, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001575
Date	Jan 19, 2024
Instrument	2024001575

Lender

Name	YOSEMITE FARM CREDIT ACA
Type	Bank
Address	TURLOCK, CA 95381

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	458 DUNES ST, MORRO BAY, CA 93442-2106
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027818
Date	Jul 6, 2018
Instrument	2018027818

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 6, 2020
Property Address	458 DUNES ST, MORRO BAY, CA 93442-2106
Document Number	0000021887
Instrument Date	Apr 25, 2020
Instrument	21887
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	458 DUNES ST MORRO BAY CA 934422106, MORRO BAY, CA 93442-2106

Mortgage

Document Number	21888
Date	May 6, 2020
Instrument	21888

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 458 Dunes St was $6,185 with a homeowner's exemption.

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		$579,532 (+2%) Land $288,258 Building $291,274
2025	$6,185.00 Homeowner's exemption	$568,169 Land $282,606 Building $285,563
2023	$5,967.00 (+6.73%) Homeowner's exemption	$546,108 Land $271,633 Building $274,475
2022	$5,591.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 458 Dunes St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

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 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 claims

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

Wildfire risk around 458 Dunes St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 519 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: AT&T, Peak WiFi, Verizon.

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