San Luis Obispo County property record for 525 Estero Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,528 sqft · built 1935 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | Company Name on Record |
| Last Sale | $559,000 (May 2004) |
| Tax Bill | $8,759 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-152-008 |
| Primary APN | 066-152-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,528 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Construction Type | Wood |
| Lot Area | 6,000 sqft (0.138 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 525 ESTERO AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 17 LT 9 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 17 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 10602 |
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3300 S WEST ST, VISALIA, CA 93277-7547 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2004 · Amount on Record |
| Deed Sale | May 28, 2004 · Amount on Record |
| Prior Sale | Jul 29, 1999 · Amount on Record |
| Deed Document Number | 200446717 |
| Last Transfer Date | Aug 31, 2012 |
| Transfer Doc | 0000049924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 525 ESTERO AVE, MORRO BAY, CA 93442-2343 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3300 S WEST ST, VISALIA, CA 93277-7547 |
| Document Number | 0000069029 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 2020069029 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
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 | $810,661 (+2%) Land $543,829 Building $266,832 | |
| 2025 | $8,759.00 (+3.6%) | $794,766 (+4.04%) Land $533,166 Building $261,600 |
| 2023 | $8,455.00 (+6.69%) | $763,906 Land $512,463 Building $251,443 |
| 2022 | $7,925.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 6 in force |
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.
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.
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 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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