490 Morro Ave, Apt 5, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 490 Morro Ave, Apt 5, Morro Bay, CA 93442

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 530 sqft · built 1978
Lot Size	0.012 acres (530 sqft)
Owner	2 Trust Names on File
Last Sale	$535,000 (Jul 2026)
Tax Bill	$4,005 (2025)
Deeds & Mortgages	Aug 2026 Transfer Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-179-005`

Property Details

APN / Parcel Number

Primary APN	`066-179-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	530 sqft Living Area
1st Floor Area	530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	530 sqft (0.012 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	490 MORRO AVE, 5
City	MORRO BAY
State	CA
Zip	93442-2582
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Description	TR 655 UNIT 5 & PTN LT A
Legal Subdivision	TRACT NO. 655
Legal Tract	655
Legal Block	1
Legal Lot Number	A
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1022
Census Tract	10602

Owner

490 Morro Ave, Apt 5 is owner-occupied and held in a trust since August 2026.

Source: San Luis Obispo County records, as of September 3, 2026

Owner of Record	2 Trust Names on File
Mailing Address	490 MORRO AVE, 5, MORRO BAY, CA 93442-2582
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Aug 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 13, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on File
Deed Sale	Jul 13, 2026 · Amount on File
Prior Sale	Jul 11, 2025 · Amount on File
Deed Document Number	202621728
Last Transfer Date	Aug 21, 2026
Transfer Doc	0000027103
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2026
Property Address	490 MORRO AVE, 5, MORRO BAY, CA 93442-2582
Document Number	0000027103
Instrument Date	Aug 21, 2026
Instrument	202627103
Transaction Type	Transfer
Record Updated	Sep 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	490 MORRO AVE, 5, MORRO BAY, CA 93442-2582

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 13, 2026
Property Address	490 MORRO AVE, 5, MORRO BAY, CA 93442-2582
Document Number	0000021728
Instrument Date	Jun 26, 2026
Instrument	202621728
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,438.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 MORRO AVE, 5, MORRO BAY, CA 93442-2582

Mortgage

Document Number	0000021729,
Date	Jul 13, 2026
Instrument	202621729

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

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

Tax Assessment & Valuation

The 2025 property tax bill for 490 Morro Ave, Apt 5 was $4,005.

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		$499,000 (+37.31%) Land $350,000 Building $149,000
2025	$4,005.00	$363,418 Land $266,351 Building $97,067
2023	$3,866.00 (+6.68%)	$349,308 Land $256,009 Building $93,299
2022	$3,624.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 490 Morro Ave, Apt 5 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 490 Morro Ave, Apt 5 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 289 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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