508 Downing St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 508 Downing St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1970
Lot Size	0.092 acres (4,000 sqft)
Owner	Company Name on File
Tax Bill	$4,150 (2025)
Deeds & Mortgages	Oct 2023 Transfer May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-159-018`

Property Details

APN / Parcel Number

Primary APN	`068-159-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Lot Area	4,000 sqft (0.092 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	508 DOWNING ST
City	MORRO BAY
State	CA
Zip	93442-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB HRBR FRT TR 1 BL 2 LT 11
Legal Subdivision	HARBOR FRONT 01
Legal Tract	1
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1050
Census Tract	10603

Owner

508 Downing St is owned by a company that acquired it in April 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	508 DOWNING ST, MORRO BAY, CA 93442-1822
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
Oct 6, 2023	Intrafamily Transfer, Transfer
May 23, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 6, 1994
Transfer Doc	0000022362
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 6, 2023
Property Address	508 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number	0000029526
Map Reference	MB 5 PG 18
Instrument Date	Oct 4, 2023
Instrument	2023029526
Transaction Type	Transfer
Record Updated	Oct 17, 2023

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	Family Trust
Address	508 DOWNING ST, MORRO BAY, CA 93442-1822

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 23, 2018
Property Address	508 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number	0000021040
Instrument Date	Mar 8, 2018
Instrument	21040
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1631 RODRIGUEZ RD BAKERSFIELD CA 933148921, BAKERSFIELD, CA 93314-8921

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 14, 2017
Property Address	508 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number	0000057268
Instrument Date	Dec 8, 2017
Instrument	57268
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	17453 BRIMHALL RD BAKERSFIELD CA 933148905, BAKERSFIELD, CA 93314-8905

Tax Assessment & Valuation

The 2025 property tax bill for 508 Downing St was $4,150 with a homeowner's exemption, up 1.7% from the year before.

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		$391,249 (+2%) Land $214,032 Building $177,217
2025	$4,150.00 (+1.74%) Homeowner's exemption	$383,579 Land $209,836 Building $173,743
2024	$4,079.00 (-0.02%)
2023	$4,080.00 (+6.67%)	$368,687 Land $201,689 Building $166,998
2022	$3,825.00

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

Flood

FEMA maps place 508 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 508 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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