San Luis Obispo County property record for 495 Main St, Morro Bay, CA 93442
| Property Type | Apartments (5+ Units) |
|---|---|
| Lot Size | 0.424 acres (18,480 sqft) |
| Owner | Company Name on Record |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-173-006 |
| Primary APN | 066-173-006 |
|---|
| Lot Area | 18,480 sqft (0.424 acres) |
|---|
| Street Address | 495 MAIN ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2578 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | VCS |
| Legal Description | CY MB BL 5 LTS 1 & 2 |
| Legal Subdivision | TOWN MORRO |
| Legal Block | 5 |
| Legal Lot Number | 1,2 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10602 |
495 Main St, a residential property, is owned by a company.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1060 KENDALL RD, SAN LUIS OBISPO, CA 93401-8061 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | Assessed Value |
|---|---|
| 2026 | $1,658,148 Land $607,108 Building $1,051,040 |
| 2023 | $1,562,513 Land $572,093 Building $990,420 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 495 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 | 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 risk around 495 Main St 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.
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 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.
5G (outdoors only) and 4G LTE
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