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540 Downing St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 540 Downing St, Morro Bay, CA 93442

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,291 sqft · built 1959
Lot Size0.1 acres (4,356 sqft)
Owner2 Trust Names on File
Last Sale$550,000 (Feb 2016)
Tax Bill$7,176 (2025)
Deeds & MortgagesMar 2020 Transfer
Sep 2018 Transfer
Flood ZoneZone X (minimal risk)
APN068-159-007

Property Details

APN / Parcel Number

Primary APN068-159-007

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,291 sqft Living Area
1st Floor Area1,291 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Construction TypeWood
Lot Area4,356 sqft (0.1 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address540 DOWNING ST
CityMORRO BAY
StateCA
Zip93442-1822
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code10
Legal DescriptionCY MB HRBR FRT U 1 BL 2 LT 7
Legal SubdivisionHARBOR FRONT
Legal Block2
Legal Lot Number7
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group1
Census Block1050
Census Tract10603

Owner

540 Downing St is owner-occupied and held in a trust since February 2016.

Source: San Luis Obispo County records, as of September 1, 2026

Owner of Record2 Trust Names on File
Mailing Address540 DOWNING ST, MORRO BAY, CA 93442-1822
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

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

DateDocument
Mar 24, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 21, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 26, 2016 · Amount on File
Deed SaleFeb 26, 2016 · Amount on File
Deed Document Number20168147
Prior Transfer DateNov 17, 1998
Prior Transfer Doc0000077021
Record UpdatedOct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateMar 24, 2020
Property Address540 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number0000014445
Instrument DateMar 2, 2020
Instrument14445
Transaction TypeTransfer
Record UpdatedApr 29, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address11377 AVENUE 352 VISALIA CA 932919082, VISALIA, CA 93291-9082

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateSep 21, 2018
Property Address540 DOWNING ST, MORRO BAY, CA 93442-1822
Document Number0000039249
Instrument DateSep 19, 2018
Instrument39249
Transaction TypeTransfer
Record UpdatedOct 2, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address35583 ROAD 124 VISALIA CA 932919067, VISALIA, CA 93291-9067

Tax Assessment & Valuation

The 2025 property tax bill for 540 Downing St was $7,176.

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
MunicipalityMorro Bay City
Unified School DistrictSan Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$664,102 (+2%) Land $422,611 Building $241,491
2025$7,176.00$651,081 Land $414,325 Building $236,756
2023$6,926.00 (+6.69%)$625,800 Land $398,237 Building $227,563
2022$6,492.00

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

Flood

FEMA maps place 540 Downing St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 15 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims15 (1982–2023)
Claims Outside the SFHA3 of 15
Most Recent ClaimMar 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 540 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 RiskModerate
above 64% of the US · lower than 60% of California
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemMORRO BAY PW DEPT - WATER DIVISION
serves 10,757 people · EPA ID CA4010011
Water SourcePurchased surface water from CHORRO VALLEY PIPELINE - SLO COUNTY
Last State InspectionDec 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on Downing St

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