480 Downing St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 480 Downing St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,050 sqft · built 1972
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$639,000 (Sep 2020)
Tax Bill	$7,546 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jan 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`068-159-012`

Property Details

APN / Parcel Number

Primary APN	`068-159-012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	480 DOWNING ST
City	MORRO BAY
State	CA
Zip	93442-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB HRBR FRT U 1 BL 2 LT 13
Legal Subdivision	HARBOR FRONT UN 1
Legal Block	2
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1050
Census Tract	10603

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	480 DOWNING ST, MORRO BAY, CA 93442-1820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage · Line of Credit COASTHILLS CU
Jan 5, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 1, 2020	Grant Deed, Transfer · Conventional Mortgage THE MORTGAGE HOUSE
Mar 11, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Aug 31, 2018	Grant Deed, Transfer · FHA Mortgage OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Aug 31, 2018 · Amount on Record
Deed Document Number	202047174
Prior Transfer Date	Feb 4, 2020
Prior Transfer Doc	0000012078
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	480 DOWNING ST, MORRO BAY, CA 93442-1820
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 DOWNING ST, MORRO BAY, CA 93442-1820

Mortgage

Document Number	0000014072
Date	Mar 30, 2022
Instrument	2022014072

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	480 DOWNING ST, MORRO BAY, CA 93442-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOUTHWEST FINANCIAL SVCS LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000476
Date	Jan 5, 2017
Instrument	2017000476

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	355 Months
Due	Aug 10, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 1, 2020
Property Address	480 DOWNING ST, MORRO BAY, CA 93442-1820
Document Number	0000047174
Map Reference	MB 5 PG 18
Instrument Date	Aug 21, 2020
Instrument	2020047174
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	480 DOWNING ST, MORRO BAY, CA 93442-1820

Mortgage

Document Number	0000047175
Date	Sep 1, 2020
Instrument	2020047175

Lender

Name	THE MORTGAGE HOUSE
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 11, 2020
Property Address	480 DOWNING ST, MORRO BAY, CA 93442-1820
Document Number	0000012078
Map Reference	MB 5 PG 18
Instrument Date	Feb 4, 2020
Instrument	2020012078
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Joint Tenants
Address	95 S OCEAN AVE, CAYUCOS, CA 93430-1647

Mortgage

Document Number	0000012079
Date	Mar 11, 2020
Instrument	2020012079

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 31, 2018
Property Address	480 DOWNING ST, MORRO BAY, CA 93442-1820
Document Number	0000036145
Instrument Date	Aug 8, 2018
Instrument	36145
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$587.95
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	95 S OCEAN AVE CAYUCOS CA 934301647, CAYUCOS, CA 93430-1647

Mortgage

Document Number	36146
Date	Aug 31, 2018
Instrument	36146

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2048

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		$705,503 (+2%) Land $496,834 Building $208,669
2025	$7,546.00 (+3.64%) Homeowner's exemption	$691,671 (+4.04%) Land $487,093 Building $204,578
2023	$7,281.00 (+6.71%) Homeowner's exemption	$664,815 Land $468,180 Building $196,635
2022	$6,823.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 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	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.3% 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 519 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, Peak WiFi, Verizon.

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