498 Piney Way, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 498 Piney Way, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,374 sqft · built 1973
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on File
Tax Bill	$2,989 (2025)
Deeds & Mortgages	Aug 2022 Reverse Mortgage Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-191-019`

Property Details

APN / Parcel Number

Primary APN	`066-191-019`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,374 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	498 PINEY WAY
City	MORRO BAY
State	CA
Zip	93442-2652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	30
Legal Description	CY MB MORRO HTS BL 24 LT 22
Legal Subdivision	MORRO HEIGHTS
Legal Block	24
Legal Lot Number	22
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2029
Census Tract	10602

Owner

498 Piney Way is owned by a company that acquired it in January 1994 and is owner-occupied.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Company Name on File
Mailing Address	498 PINEY WAY, MORRO BAY, CA 93442-2652
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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 23, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage AMERICAN PACIFIC MORTGAGE CORP
Nov 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 19, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Nov 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 12, 1994
Transfer Doc	0000004183
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 23, 2022
Property Address	498 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000034014
Map Reference	MB 3 PG 4
Instrument Date	Jul 20, 2022
Instrument	2022034014
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

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
Relationship	Living Trust
Address	498 PINEY WAY, MORRO BAY, CA 93442-2652

Mortgage

Document Number	0000034015
Date	Aug 23, 2022
Instrument	2022034015

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.8%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 19, 2020
Property Address	498 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000067872
Instrument Date	Nov 19, 2020
Instrument	67872
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 PINEY WAY MORRO BAY CA 934422652, MORRO BAY, CA 93442-2652

November 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 19, 2020
Property Address	498 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000067871
Instrument Date	Nov 19, 2020
Instrument	67871
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	498 PINEY WAY MORRO BAY CA 934422652, MORRO BAY, CA 93442-2652

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 19, 2020
Property Address	498 PINEY WAY, MORRO BAY, CA 93442-2652
Document Number	0000067873
Instrument Date	Nov 19, 2020
Instrument	67873
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	498 PINEY WAY MORRO BAY CA 934422652, MORRO BAY, CA 93442-2652

Tax Assessment & Valuation

The 2025 property tax bill for 498 Piney Way was $2,989 with a homeowner's exemption.

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		$283,823 (+2%) Land $54,741 Building $229,082
2025	$2,989.00 Homeowner's exemption	$278,259 Land $53,668 Building $224,591
2023	$2,723.00 (+6.74%) Homeowner's exemption	$253,038 Land $51,585 Building $201,453
2022	$2,551.00

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

Flood

FEMA maps place 498 Piney Way in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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

Wildfire risk around 498 Piney Way is low, with a 0.02% annual chance of 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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