490 Piney Way, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 490 Piney Way, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,219 sqft · built 1952
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,371 (2025)
Deeds & Mortgages	Oct 2025 Reverse Mortgage Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`066-191-018`

Property Details

APN / Parcel Number

Primary APN	`066-191-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,219 sqft Living Area
1st Floor Area	1,219 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	490 PINEY WAY
City	MORRO BAY
State	CA
Zip	93442-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 24 LT 21
Legal Subdivision	MORRO HEIGHTS
Legal Block	24
Legal Lot Number	21
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, as of August 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Mar 11, 2021	Intrafamily Transfer, Transfer
Feb 19, 2021	Intrafamily Transfer, Transfer
Mar 11, 2021	Intrafamily Transfer, Transfer
Feb 19, 2021	Affidavit, Transfer
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 25, 2024
Transfer Doc	0000016963
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PINEY WAY, MORRO BAY, CA 93442-2652

Mortgage

Document Number	0000031403
Date	Oct 14, 2025
Instrument	2025031403

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	919 Months
Due	May 29, 2102

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PINEY WAY, MORRO BAY, CA 93442-2652

Mortgage

Document Number	0000029997
Date	Apr 22, 2021
Instrument	2021029997

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 11, 2021
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000018801
Map Reference	MB 3 PG 4
Instrument Date	Mar 11, 2021
Instrument	2021018801
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PINEY WAY, MORRO BAY, CA 93442-2652

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 19, 2021
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000013486
Map Reference	MB 3 PG 4
Instrument Date	Feb 19, 2021
Instrument	2021013486
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PINEY WAY, MORRO BAY, CA 93442-2652

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 11, 2021
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000018802
Map Reference	MB 3 PG 4
Instrument Date	Feb 19, 2021
Instrument	2021018802
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PINEY WAY, MORRO BAY, CA 93442-2652

February 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 19, 2021
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000013485
Map Reference	BM 3 PG 4
Instrument Date	Feb 19, 2021
Instrument	2021013485
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 PINEY WAY, MORRO BAY, CA 93442-2652

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	490 PINEY WAY, MORRO BAY, CA 93442-2652
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023144
Date	Jun 17, 2019
Instrument	2019023144

Lender

Name	BBVA USA
Type	Non-Lending Institution
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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		$504,261 (+2%) Land $95,290 Building $408,971
2025	$5,371.00 (+144.47%) Homeowner's exemption	$494,374 (+140.49%) Land $93,422 Building $400,952
2023	$2,197.00 (+71.64%) Homeowner's exemption	$205,572 Land $65,286 Building $140,286
2022	$1,280.00

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
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

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within 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 921 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: AT&T, Verizon.

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