472 Crest St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 472 Crest St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,177 sqft · built 1957
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Dec 2020)
Tax Bill	$7,158 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-322-018`

Property Details

APN / Parcel Number

Primary APN	`068-322-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,177 sqft Living Area
1st Floor Area	1,177 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Wood
Lot Area	9,375 sqft (0.215 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	472 CREST ST
City	MORRO BAY
State	CA
Zip	93442-1669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB TR 52 BL 6 LT 8 & PTN LT 7 & PTN ADJ ST
Legal Subdivision	TRACT NO 52
Legal Tract	52
Legal Block	6
Legal Lot Number	8,7
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1021
Census Tract	10505

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	10824 E FOUNTAIN VW, CLOVIS, CA 93619-4715
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2020	Grant Deed, Transfer · Conventional Mortgage MID VALLEY SERVICES INC
Sep 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA BK&TR
Aug 25, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Prior Sale	Aug 25, 2017 · Amount on Record
Deed Document Number	202078528
Prior Transfer Date	Apr 20, 2005
Prior Transfer Doc	0000033487
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 31, 2020
Property Address	472 CREST ST, MORRO BAY, CA 93442-1669
Document Number	0000078528
Map Reference	MB 5 PG 71
Instrument Date	Dec 9, 2020
Instrument	2020078528
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10824 E FOUNTAIN VW, CLOVIS, CA 93619-4715

Mortgage

Document Number	0000078529
Date	Dec 31, 2020
Instrument	2020078529

Lender

Name	MID VALLEY SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	472 CREST ST, MORRO BAY, CA 93442-1669
Document Number	0000044117
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 12, 2017
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3239 E BELLAIRE WAY FRESNO CA 937264429, FRESNO, CA 93726-4429

Mortgage

Document Number	0000044117
Date	Oct 2, 2017
Instrument	44117

Lender

Name	CALIFORNIA BK&TR
Type	Bank
Address	SAN CLEMENTE, CA 92672

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2017
Property Address	472 CREST ST, MORRO BAY, CA 93442-1669
Document Number	0000037897
Instrument Date	Jun 5, 2017
Instrument	37897
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$495.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1295 N WISHON AVE FRESNO CA 937282344, FRESNO, CA 93728-2344

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		$662,445 (+2%) Land $441,631 Building $220,814
2025	$7,158.00 (+3.6%)	$649,457 (+4.04%) Land $432,972 Building $216,485
2023	$6,909.00 (+6.69%)	$624,240 Land $416,160 Building $208,080
2022	$6,476.00

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% 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 676 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
T-Mobile Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Verizon.

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