486 Oahu St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 486 Oahu St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1970
Lot Size	0.055 acres (2,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Aug 2026)
Tax Bill	$6,549 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`065-058-011`

Property Details

APN / Parcel Number

Primary APN	`065-058-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	60 ft deep x 40 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	486 OAHU ST
City	MORRO BAY
State	CA
Zip	93442-2922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	CY MB ATAS BCH BL 4G LT 12
Legal Subdivision	ATASCADERO BEACH
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1013
Census Tract	10506

Owner

Source: San Luis Obispo County records, as of September 3, 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	486 OAHU ST, MORRO BAY, CA 93442-2922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Grant Deed, Transfer · Conventional Mortgage LEADER BANK NA
Aug 27, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Aug 27, 2020	Grant Deed, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Aug 27, 2020 · Amount on Record
Deed Document Number	202627449
Prior Transfer Date	Aug 18, 2020
Prior Transfer Doc	0000045927
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 27, 2026
Property Address	486 OAHU ST, MORRO BAY, CA 93442-2922
Document Number	0000027449
Instrument Date	Aug 18, 2026
Instrument	202627449
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 OAHU ST, MORRO BAY, CA 93442-2922

Mortgage

Document Number	0000027451,
Date	Aug 27, 2026
Instrument	202627451

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 27, 2020
Property Address	486 OAHU ST, MORRO BAY, CA 93442-2922
Document Number	0000045927
Instrument Date	Aug 18, 2020
Instrument	45927
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1754 DALI WAY HANFORD CA 932308951, HANFORD, CA 93230-8951

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 27, 2020
Property Address	486 OAHU ST, MORRO BAY, CA 93442-2922
Document Number	0000045926
Map Reference	MB 2 PG 15
Instrument Date	Aug 13, 2020
Instrument	2020045926
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
Address	1754 DALI WAY, HANFORD, CA 93230-8951

Mortgage

Document Number	0000045928
Date	Aug 27, 2020
Instrument	2020045928

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

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

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		$606,137 (+2%) Land $436,111 Building $170,026
2025	$6,549.00 (+3.59%)	$594,253 (+4.04%) Land $427,560 Building $166,693
2023	$6,322.00 (+6.7%)	$571,179 Land $410,958 Building $160,221
2022	$5,925.00

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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