500 Downing St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 500 Downing St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,045 sqft · built 1915
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Dec 2023)
Tax Bill	$8,150 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-159-011`

Property Details

APN / Parcel Number

Primary APN	`068-159-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,045 sqft Living Area
1st Floor Area	1,045 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	500 DOWNING ST
City	MORRO BAY
State	CA
Zip	93442-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB HRBR FRT TR BL 2 LT 12
Legal Subdivision	HARBOR FRONT
Legal Block	2
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1050
Census Tract	10603

Owner

500 Downing St is owned by two individuals who bought it in December 2023.

Source: San Luis Obispo County records, as of August 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1699, MENDOCINO, CA 95460-1699
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Grant Deed, Transfer · Conventional Mortgage PATELCO CU
Oct 22, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Oct 21, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2023 · Amount on File
Deed Sale	Dec 27, 2023 · Amount on File
Deed Document Number	202338149
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	0000038148
Record Updated	Oct 29, 2026

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 27, 2023
Property Address	500 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number	0000038149
Map Reference	MB 5 PG 18
Instrument Date	Oct 30, 2023
Instrument	2023038149
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	500 DOWNING ST, MORRO BAY, CA 93442-1822

Mortgage

Document Number	0000038150
Date	Dec 27, 2023
Instrument	2023038150

Lender

Name	PATELCO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 22, 2019
Property Address	500 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number	0000046453
Instrument Date	Oct 16, 2019
Instrument	46453
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	500 DOWNING ST MORRO BAY CA 934421822, MORRO BAY, CA 93442-1822

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 21, 2019
Property Address	500 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number	0000046288
Map Reference	MB 5 PG 18
Instrument Date	Oct 16, 2019
Instrument	2019046288
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	500 DOWNING ST, MORRO BAY, CA 93442-1822

Mortgage

Document Number	0000046289
Date	Oct 21, 2019
Instrument	2019046289

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	3.75%
Index	11th District COF
Max Rate	7.75%

Tax Assessment & Valuation

The 2025 property tax bill for 500 Downing St was $8,150.

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		$754,290 (+2%) Land $509,796 Building $244,494
2025	$8,150.00	$739,500 Land $499,800 Building $239,700
2023	$7,903.00 (+6.7%)	$714,000 Land $484,500 Building $229,500
2022	$7,407.00

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

Flood

FEMA maps place 500 Downing St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Mar 2023 · 5 claims Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 6 claims Coastal Storms, Floods, Slides & Tornadoes, Mar 1983 · 2 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 500 Downing St is moderate, ranking above 64% 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 64% of the US · lower than 60% 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.

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 519 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, Peak WiFi, Verizon.

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