San Luis Obispo County property record for 490 Estero Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,201 sqft · built 1992 |
| Lot Size | 0.137 acres (5,973 sqft) |
| Owner | Trust Name on File |
| Last Sale | $907,000 (Aug 2020) |
| Tax Bill | $10,743 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-193-015 |
| Primary APN | 066-193-015 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 2,201 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Construction Type | Wood Frame |
| Lot Area | 5,973 sqft (0.137 acres) |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Street Address | 490 ESTERO AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 23 LT 21 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 23 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 10602 |
Source: San Luis Obispo County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 490 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on Record |
| Deed Sale | Aug 17, 2020 · Amount on Record |
| Prior Sale | Sep 8, 2010 |
| Deed Document Number | 2020043263 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 17, 2020 |
| Property Address | 490 ESTERO AVE, MORRO BAY, CA 93442-2638 |
| Document Number | 0000043263 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 43263 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $998.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 490 ESTERO AVE MORRO BAY CA 934422638, MORRO BAY, CA 93442-2638 |
| Document Number | 43264 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 43264 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 16, 2050 |
Source: San Luis Obispo County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $10,743.00 (+3.63%) Homeowner's exemption | $981,764 (+4.04%) Land $541,216 Building $440,548 |
| 2023 | $10,367.00 (+6.7%) Homeowner's exemption | $943,642 Land $520,200 Building $423,442 |
| 2022 | $9,716.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|
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.
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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 921 locations within half a mile, as of December 31, 2025
| 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.
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