470 Estero Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 470 Estero Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 561 sqft · built 1942
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on Record
Last Sale	$460,000 (Dec 2018)
Tax Bill	$5,655 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-193-021`

Property Details

APN / Parcel Number

Primary APN	`066-193-021`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	561 sqft Living Area
1st Floor Area	561 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Construction Type	Wood
Lot Area	5,750 sqft (0.132 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	470 ESTERO AVE
City	MORRO BAY
State	CA
Zip	93442-2638
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB MORRO HTS TR BL 23 LT 15
Legal Subdivision	MORRO HEIGHTS
Legal Block	23
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2028
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	Company Name on Record
Mailing Address	470 ESTERO AVE, MORRO BAY, CA 93442-2638
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Dec 6, 2018	Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2018 · Amount on Record
Deed Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	201850344
Prior Transfer Date	Sep 3, 2015
Prior Transfer Doc	0000050358
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	470 ESTERO AVE, MORRO BAY, CA 93442-2638
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE A CA CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5005 GANCHO AVE, ATASCADERO, CA 93422-2925

Mortgage

Document Number	0000063568
Date	Nov 4, 2020
Instrument	2020063568

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 6, 2018
Property Address	470 ESTERO AVE, MORRO BAY, CA 93442-2638
Document Number	0000050344
Map Reference	MB3 PG4
Instrument Date	Nov 13, 2018
Instrument	2018050344
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	470 ESTERO AVE, MORRO BAY, CA 93442-2638

Mortgage

Document Number	0000050345
Date	Dec 6, 2018
Instrument	2018050345

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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		$523,395 (+2%) Land $426,683 Building $96,712
2025	$5,655.00 (+3.59%)	$513,133 (+4.04%) Land $418,317 Building $94,816
2023	$5,459.00 (+6.68%)	$493,209 Land $402,074 Building $91,135
2022	$5,117.00

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	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

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	0.02% 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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