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
Joint Tenants
Address
14621 TRUMPETVINE PL, BAKERSFIELD, CA 93314-9868
Mortgage
Document Number
0000033788
Date
May 5, 2021
Instrument
2021033788
Lender
Name
UNITED WHOLESALE MORTGAGE
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jun 1, 2051
September 2019: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN LUIS OBISPO CA
Property Address
520 MORRO AVE APT A, A, MORRO BAY, CA 93442-2558
Transaction Type
Mortgage
Record Updated
Feb 5, 2021
Title Company
FIRST AMERICAN TITLE COMPANY
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000039451
Date
Sep 18, 2019
Instrument
2019039451
Lender
Name
UNITED WHOLESALE MORTGAGE
Type
Mortgage Company
Address
PONTIAC, MI 48341
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Oct 1, 2049
May 2020: Quit Claim Deed
Document Type
Quit Claim Deed
Jurisdiction
SAN LUIS OBISPO CA
Recording Date
May 5, 2020
Property Address
520 MORRO AVE APT A, A, MORRO BAY, CA 93442-2558
Document Number
0000021778
Instrument Date
May 5, 2020
Instrument
21778
Record Updated
May 19, 2020
Title Company
FIRST AMERICAN TITLE
Transaction
Tax
$0.00
Additional
Quitclaim
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Living Trust
Address
520 MORRO AVE #A MORRO BAY CA 934422558, A, MORRO BAY, CA 93442-2558
September 2019: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
SAN LUIS OBISPO CA
Recording Date
Sep 24, 2019
Property Address
520 MORRO AVE APT A, A, MORRO BAY, CA 93442-2558
Document Number
0000040602
Instrument Date
Sep 20, 2019
Instrument
40602
Transaction Type
Transfer
Record Updated
Oct 3, 2019
Title Company
FIRST AMERICAN TITLE
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
520 MORRO AVE #A MORRO BAY CA 934422558, A, MORRO BAY, CA 93442-2558
April 2018: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SAN LUIS OBISPO CA
Recording Date
Apr 11, 2018
Property Address
520 MORRO AVE APT A, A, MORRO BAY, CA 93442-2558
Document Number
0000014311
Map Reference
MB13 PG53
Instrument Date
Apr 3, 2018
Instrument
2018014311
Transaction Type
Transfer
Record Updated
Aug 9, 2021
Title Company
FIRST AMERICAN 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
Address
00000
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property with Right of Survivorship
Address
520 MORRO AVE APT A, A, MORRO BAY, CA 93442-2558
Mortgage
Document Number
0000014312
Date
Apr 11, 2018
Instrument
2018014312
Lender
Name
CMG MORTGAGE INC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
May 1, 2048
Tax Assessment & Valuation
The 2025 property tax bill for 520 Morro Ave, Apt A was $11,393.
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
$1,054,394 (+2%)Land $607,243Building $447,151
2025
$11,393.00
$1,033,721Land $595,337Building $438,384
2023
$10,997.00 (+6.68%)
$993,582Land $572,220Building $421,362
2022
$10,308.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 520 Morro Ave, Apt A in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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
1 (1998)
Claims Outside the SFHA
1 of 1
Most Recent Claim
Feb 1998 · Severe Winter Storms And Flooding
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 520 Morro Ave, Apt A is low, with a 0.01% 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
0.01% annual chance
Exposure
None beyond 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 289 locations within half a mile, as of December 31, 2025