San Luis Obispo County property record for 497 Estero Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 4 ba · 2,964 sqft · built 1952 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $255,000 (Sep 1999) |
| Tax Bill | $8,444 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-191-028 |
| Primary APN | 066-191-028 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 14 Rooms |
| Stories | 1 Story |
| Building Area | 2,964 sqft Living Area |
| 1st Floor Area | 1,039 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Multi-Family |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 497 ESTERO AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 24 LT 1 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 24 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 10602 |
Source: San Luis Obispo County assessment roll, APN 066-191-028, as of August 6, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 497 ESTERO AVE, MORRO BAY, CA 93442-2637 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 10, 1999 · Amount on Record |
| Deed Sale | Sep 10, 1999 · Amount on Record |
| Deed Document Number | 199965328 |
| Last Transfer Date | Feb 29, 2016 |
| Transfer Doc | 0000008928 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 497 ESTERO AVE, MORRO BAY, CA 93442-2637 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 497 ESTERO AVE, MORRO BAY, CA 93442-2637 |
| Document Number | 0000000035 |
|---|---|
| Date | Jan 04, 2021 |
| Instrument | 2021000035 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
Source: San Luis Obispo County assessment roll as of August 6, 2026 · Last verified August 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $788,609 (+2%) Land $250,824 Building $537,785 | |
| 2025 | $8,444.00 (+3.63%) Homeowner's exemption | $773,147 (+4.04%) Land $245,906 Building $527,241 |
| 2023 | $8,148.00 (+5.69%) Homeowner's exemption | $743,126 Land $236,358 Building $506,768 |
| 2022 | $7,709.00 |
Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), as of July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790106022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection, 921 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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.
Source: EPA Safe Drinking Water Information System, water system CA4010011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MORRO BAY PW DEPT - WATER DIVISION serves 10,757 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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