461 Kings Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 461 Kings Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,153 sqft · built 1949
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Oct 2010)
Tax Bill	$4,659 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-204-013`

Property Details

APN / Parcel Number

Primary APN	`066-204-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,153 sqft Living Area
1st Floor Area	1,153 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	461 KINGS AVE
City	MORRO BAY
State	CA
Zip	93442-2616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO B VST 3 BL 5 LT 19
Legal Subdivision	MORRO BAY VISTA 03
Legal Tract	3
Legal Block	5
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2041
Census Tract	10602

Owner

461 Kings Ave is owned and occupied by two individuals who bought it in October 2010.

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

Owner of Record	2 Individual Names on File
Mailing Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
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
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit SESLOC FCU
Mar 2, 2017	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LENDING INC
Apr 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LNDG
Dec 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2010 · Amount on File
Deed Sale	Oct 21, 2010 · Amount on File
Deed Document Number	201052701
Prior Transfer Date	Dec 14, 1994
Prior Transfer Doc	0000073727
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 18, 2026
Property Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
Document Number	0000019104
Instrument Date	Jun 10, 2026
Instrument	202619104
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 KINGS AVE, MORRO BAY, CA 93442-2616

Mortgage

Document Number	0000019104,
Date	Jun 18, 2026
Instrument	202619104

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
Transaction Type	Mortgage
Record Updated	Nov 24, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 KINGS AVE, MORRO BAY, CA 93442-2616

Mortgage

Document Number	0000044660
Date	Nov 14, 2022
Instrument	2022044660

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93403

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 13, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009668
Date	Mar 2, 2017
Instrument	2017009668

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 KINGS AVE, MORRO BAY, CA 93442-2616

Mortgage

Document Number	0000006544
Date	Jan 28, 2021
Instrument	2021006544

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
Document Number	0000019118
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	461 KINGS AVE MORRO BAY CA 934422616, MORRO BAY, CA 93442-2616

Mortgage

Document Number	0000019118
Date	Apr 20, 2020
Instrument	19118

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 KINGS AVE, MORRO BAY, CA 93442-2616
Document Number	0000059433
Instrument Date	Dec 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	461 KINGS AVE MORRO BAY CA 934422616, MORRO BAY, CA 93442-2616

Mortgage

Document Number	0000059433
Date	Dec 28, 2017
Instrument	59433

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 461 Kings Ave was $4,659.

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		$431,230 (+2%) Land $294,024 Building $137,206
2025	$4,659.00	$422,775 Land $288,259 Building $134,516
2023	$4,497.00 (+6.69%)	$406,360 Land $277,066 Building $129,294
2022	$4,215.00

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

Flood

FEMA maps place 461 Kings Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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	9 (1978–2023)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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 461 Kings Ave is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 921 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, Verizon.

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