San Luis Obispo County property record for 498 Luzon St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,608 sqft · built 1974 |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,686 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 065-065-009 |
| Primary APN | 065-065-009 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 1,608 sqft Living Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Wood |
| Lot Area | 2,400 sqft (0.055 acres) |
| Lot Dimensions | 60 ft deep x 40 ft wide |
| Terrain | Below Road/Slope |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 498 LUZON ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB ATAS BCH BL 6C LT 11 |
| Legal Subdivision | ATASCADERO BEACH |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 10506 |
498 Luzon St is owned and occupied by an individual who acquired it in December 2002.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 785 QUINTANA RD, MORRO BAY, CA 93442-1943 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Last Transfer Date | Dec 6, 2002 |
| Transfer Doc | 0000110204 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 498 Luzon St was $3,686 with a homeowner's exemption.
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 | $348,314 (+2%) Land $176,810 Building $171,504 | |
| 2025 | $3,686.00 Homeowner's exemption | $341,486 Land $173,344 Building $168,142 |
| 2023 | $3,555.00 (+6.72%) Homeowner's exemption | $328,228 Land $166,614 Building $161,614 |
| 2022 | $3,331.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 498 Luzon 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 498 Luzon St is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 41% of California |
|---|---|
| Wildfire Likelihood | 0.3% 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 429 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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