461 Orcas St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 461 Orcas St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,931 sqft · built 1991
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Individual Names on File
Last Sale	$212,000 (May 1998)
Tax Bill	$3,653 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`065-056-032`

Property Details

APN / Parcel Number

Primary APN	`065-056-032`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,931 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	461 ORCAS ST
City	MORRO BAY
State	CA
Zip	93442-2927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB ATAS BCH BL 4E LT 20
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
Census Tract	10506

Owner

461 Orcas St is owned and occupied by two individuals who acquired it in August 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	461 ORCAS ST, MORRO BAY, CA 93442-2927
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 29, 2023	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Jan 24, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 29, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 7, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 1998 · Amount on File
Deed Sale	May 29, 1998 · Amount on File
Deed Document Number	199832336
Last Transfer Date	Aug 18, 2014
Transfer Doc	0000034976
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 ORCAS ST, MORRO BAY, CA 93442-2927
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 ORCAS ST, MORRO BAY, CA 93442-2927

Mortgage

Document Number	0000028621
Date	Sep 29, 2023
Instrument	2023028621

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 ORCAS ST, MORRO BAY, CA 93442-2927
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	ORANGE COAST TITLE SAN JOSE, ORANGE COAST TITLE OF NORTHE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 ORCAS ST, MORRO BAY, CA 93442-2927

Mortgage

Document Number	0000003389
Date	Jan 24, 2022
Instrument	2022003389

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 ORCAS ST, MORRO BAY, CA 93442-2927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030350
Date	Jul 29, 2019
Instrument	2019030350

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Bank
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 ORCAS ST, MORRO BAY, CA 93442-2927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016791
Date	Apr 7, 2020
Instrument	2020016791

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	461 ORCAS ST, MORRO BAY, CA 93442-2927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE A CA CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 ORCAS ST, MORRO BAY, CA 93442-2927

Mortgage

Document Number	0000004494
Date	Jan 21, 2021
Instrument	2021004494

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 461 Orcas St was $3,653 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		$345,244 (+2%) Land $130,274 Building $214,970
2025	$3,653.00 Homeowner's exemption	$338,475 Land $127,720 Building $210,755
2023	$3,523.00 (+6.73%) Homeowner's exemption	$325,333 Land $122,761 Building $202,572
2022	$3,301.00

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

Flood

FEMA maps place 461 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

Wildfire risk around 461 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.

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 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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