San Luis Obispo County property record for 472 Estero Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,095 sqft · built 1992 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,580 (2025) |
| Deeds & Mortgages | Jul 2023 Transfer Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-193-022 |
| Primary APN | 066-193-022 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,095 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bungalow |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 472 ESTERO AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 23 LT 16 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 23 |
| Legal Lot Number | 16 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 10602 |
472 Estero Ave is owned by a company that acquired it in April 2023 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 472 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 13, 2023 | Intrafamily Transfer, Transfer |
| Oct 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 4, 2023 |
| Transfer Doc | 0000019606 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jul 13, 2023 |
| Property Address | 472 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Document Number | 0000019606 |
| Map Reference | MB 3 PG 4 |
| Instrument Date | Apr 4, 2023 |
| Instrument | 2023019606 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 472 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 472 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 472 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Document Number | 0000057832 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2020057832 |
| Name | CENTRAL COAST LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MORRO BAY, CA 93442 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2040 |
The 2025 property tax bill for 472 Estero Ave was $3,580 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $338,482 (+2%) Land $113,926 Building $224,556 | |
| 2025 | $3,580.00 Homeowner's exemption | $331,846 Land $111,693 Building $220,153 |
| 2023 | $3,453.00 (+6.74%) Homeowner's exemption | $318,961 (+2%) Land $107,356 Building $211,605 |
| 2022 | $3,235.00 Homeowner's exemption | $312,707 Land $105,251 Building $207,456 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 472 Estero 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 |
|
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 risk around 472 Estero Ave is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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