472 Panay St, Morro Bay, CA 93442 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.63 acres (2,762 sqft)
Owner	Individual Name on Record
Tax Bill	$1,145 (2025)
Deeds & Mortgages	Aug 2023 Transfer Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-056-008`

Property Details

APN / Parcel Number

Primary APN	`065-056-008`

Exterior

Lot Area	2,762 sqft (0.63 acres)

Location & Zoning

Street Address	472 PANAY ST
City	MORRO BAY
State	CA
Zip	93442-2932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CY MB ATAS BCH BL 4E LT 10 LESS MIN RTS
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1019
Census Tract	10506

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	Individual Name on Record
Mailing Address	472 PANAY ST, MORRO BAY, CA 93442-2932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Transfer on Death Deed, Transfer
Feb 8, 2021	Intrafamily Transfer, Transfer
May 30, 2019	Affidavit of Death, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 9, 2023
Transfer Doc	0000023979
Record Updated	Sep 20, 2026

August 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 15, 2023
Property Address	472 PANAY ST, MORRO BAY, CA 93442-2932
Document Number	0000023979
Map Reference	MB 2 PG 15
Instrument Date	Aug 9, 2023
Instrument	2023023979
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 PANAY ST, MORRO BAY, CA 93442-2932

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 8, 2021
Property Address	472 PANAY ST, MORRO BAY, CA 93442-2932
Document Number	0000009485
Map Reference	MB 2 PG 15
Instrument Date	Jan 29, 2021
Instrument	2021009485
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	472 PANAY ST, MORRO BAY, CA 93442-2932

May 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 30, 2019
Property Address	472 PANAY ST, MORRO BAY, CA 93442-2932
Document Number	0000020294
Instrument Date	May 16, 2019
Instrument	20294
Transaction Type	Transfer
Record Updated	Jun 10, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7311-20 1/2 AVE LEMOORE CA 93245, LEMOORE, CA 93245

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		$113,125 (+2%) Land $11,221 Building $101,904
2025	$1,145.00 (+3.9%) Homeowner's exemption	$110,907 (+4.04%) Land $11,001 Building $99,906
2023	$1,102.00 (+6.89%) Homeowner's exemption	$106,603 Land $10,575 Building $96,028
2022	$1,031.00

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 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

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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