San Luis Obispo County property record for 490 Mindoro St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,562 sqft · built 2023 |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Oct 2024) |
| Tax Bill | $12,124 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-063-039 |
| Primary APN | 065-063-039 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,562 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 2,400 sqft (0.055 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 490 MINDORO ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CY MB ATAS BCH BL 6B LT 10 |
| Legal Subdivision | ATASCADERO BEACH |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10506 |
490 Mindoro St is owned by two individuals who bought it in October 2024.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 605 BOCA DEL RIO DR, BAKERSFIELD, CA 93314-9341 |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 30, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage ACTION ONE FINANCIAL CORP |
| Jun 28, 2022 | Intrafamily Transfer, Transfer ECERLY MAE REAL ESTATE FUND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2024 · Amount on File |
| Deed Sale | Oct 2, 2024 · Amount on File |
| Deed Document Number | 202427831 |
| Prior Transfer Date | Aug 17, 2023 |
| Prior Transfer Doc | 0000025743 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 30, 2023 |
| Property Address | 490 MINDORO ST, MORRO BAY, CA 93442-1325 |
| Document Number | 0000025743 |
| Map Reference | MB 2 PG 15 |
| Instrument Date | Aug 17, 2023 |
| Instrument | 2023025743 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2023 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1365 HILLCREST DR, MORRO BAY, CA 93442-1831 |
| Document Number | 0000025744 |
|---|---|
| Date | Aug 30, 2023 |
| Instrument | 2023025744 |
| Name | ACTION ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jun 28, 2022 |
| Property Address | 490 MINDORO ST, MORRO BAY, CA 93442-1325 |
| Document Number | 0000026863 |
| Map Reference | MB 2 PG 15 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 2022026863 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 14, MORRO BAY, CA 93443-0014 |
| Document Number | 0000026864 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 2022026864 |
| Name | ECERLY MAE REAL ESTATE FUND |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 13 Months |
| Due | Jul 27, 2023 |
The 2025 property tax bill for 490 Mindoro St was $12,124.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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 |
|---|---|---|
| 2026 | $1,122,000 (+2%) Land $714,000 Building $408,000 | |
| 2025 | $12,124.00 | $1,100,000 Land $700,000 Building $400,000 |
| 2023 | $4,409.00 (+53.57%) | $398,346 Land $239,292 Building $159,054 |
| 2022 | $2,871.00 |
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.
FEMA maps place 490 Mindoro St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 File 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 risk around 490 Mindoro St is high, ranking above 78% of the US, with a 0.4% annual chance of 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.
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 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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