487 Estero Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 487 Estero Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,872 sqft · built 1942
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,473,500 (Jul 2026)
Tax Bill	$2,821 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-191-027`

Property Details

APN / Parcel Number

Primary APN	`066-191-027`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,872 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1949
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	487 ESTERO AVE
City	MORRO BAY
State	CA
Zip	93442-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 24 LT 2
Legal Subdivision	MORRO HEIGHTS
Legal Block	24
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2029
Census Tract	10602

Owner

Source: San Luis Obispo County records · APN 066-191-027

Assessment roll updated August 6, 2026 · Last verified August 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 File
Mailing Address	487 ESTERO AVE, MORRO BAY, CA 93442-2637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 07, 2026 · Amount on Record
Deed Sale	Jul 07, 2026 · Amount on Record
Prior Sale	Oct 04, 1996 · Amount on Record
Deed Document Number	202621188
Prior Transfer Date	Mar 14, 2006
Prior Transfer Doc	0000017866
Record Updated	Sep 20, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 07, 2026
Property Address	487 ESTERO AVE, MORRO BAY, CA 93442-2637
Document Number	0000021188
Instrument Date	Jun 30, 2026
Instrument	202621188
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$163,705.85
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	487 ESTERO AVE, MORRO BAY, CA 93442-2637

Mortgage

Document Number	0000021189,
Date	Jul 07, 2026
Instrument	202621189

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated August 6, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value
2026		$1,450,000 (+451.31%) Land $750,000 Building $700,000
2025	$2,821.00 (+3.71%) Homeowner's exemption	$263,008 (+4.04%) Land $36,469 Building $226,539
2023	$2,720.00 (+6.75%) Homeowner's exemption	$252,797 Land $35,053 Building $217,744
2022	$2,548.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 22, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Radiate Holdings 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 USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Based on FCC filings for 921 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MORRO BAY PW DEPT - WATER DIVISION serves 10,757 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.