484 Piney Way, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 484 Piney Way, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,649 sqft · built 2021
Lot Size	0.137 acres (6,000 sqft)
Owner	Trust Name on File
Last Sale	$1,700,000 (Jun 2022)
Tax Bill	$9,026 (2025)
Deeds & Mortgages	Jan 2021 Mortgage May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-191-017`

Property Details

APN / Parcel Number

Primary APN	`066-191-017`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,649 sqft Living Area

Exterior

Year Built	Built 2021
Construction Type	Wood
Lot Area	6,000 sqft (0.137 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	484 PINEY WAY
City	MORRO BAY
State	CA
Zip	93442-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB MORRO HTS BL 24 LT 20
Legal Subdivision	MORRO HEIGHTS
Legal Block	24
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2029
Census Tract	10602

Owner

484 Piney Way is owner-occupied and held in a trust since June 2022.

Source: San Luis Obispo County records, as of September 29, 2025

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 1415, MORRO BAY, CA 93443-1415
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MECHANICS BANK
May 24, 2022	Deed of Trust, Mortgage · Line of Credit MECHANICS BANK
Jun 21, 2022	Grant Deed, Transfer FIRST AMERICAN TITLE COMPANY
Jul 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage RANDOLPH P RAMSAY
Oct 31, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Oct 31, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2022 · Amount on File
Deed Sale	Jun 21, 2022 · Amount on File
Prior Sale	Oct 31, 2018 · Amount on File
Deed Document Number	2022025813
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	484 PINEY WAY, MORRO BAY, CA 93442-2652
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 849, MORRO BAY, CA 93443-0849

Mortgage

Document Number	0000004085
Date	Jan 20, 2021
Instrument	2021004085

Lender

Name	MECHANICS BANK
Type	Bank
Address	ARROYO GRANDE, CA 93421

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	484 PINEY WAY, MORRO BAY, CA 93442-2652
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	484 PINEY WAY, MORRO BAY, CA 93442-2652

Mortgage

Document Number	0000022102
Date	May 24, 2022
Instrument	2022022102

Lender

Name	MECHANICS BANK
Type	Bank
Address	SANTA MARIA, CA 93456

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 21, 2022
Property Address	484 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000025813
Map Reference	MB 3 PG 4
Instrument Date	Jun 9, 2022
Instrument	2022025813
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	Living Trust
Address	PO BOX 1415, MORRO BAY, CA 93443-1415

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	484 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000038391
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	969 LAS TUNAS ST MORRO BAY CA 934422319, MORRO BAY, CA 93442-2319

Mortgage

Document Number	0000038391
Date	Jul 27, 2020
Instrument	38391

Lender

Name	RANDOLPH P RAMSAY
Address	5020 CABALLEROS AVE, SAN LUIS OBISPO, CA 93401-7977

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 31, 2018
Property Address	484 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000045430
Instrument Date	Oct 22, 2018
Instrument	45430
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1108 BLUE BIRD CANYON TRL VISTA CA 920847434, VISTA, CA 92084-7434

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 31, 2018
Property Address	484 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000045431
Instrument Date	Oct 16, 2018
Instrument	45431
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$467.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 849 MORRO BAY CA 934430849, MORRO BAY, CA 93443-0849

Tax Assessment & Valuation

The 2025 property tax bill for 484 Piney Way was $9,026 with a homeowner's exemption.

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$9,026.00 Homeowner's exemption	$825,908 Land $664,108 Building $161,800
2023	$8,709.00 (-2.92%) Homeowner's exemption	$793,839 Land $638,321 Building $155,518
2022	$8,971.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 484 Piney Way 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	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

Wildfire risk around 484 Piney Way 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.

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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