545 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 545 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Commercial Office
Details	5,150 sqft · built 1980
Lot Size	0.4 acres (17,424 sqft)
Owner	Company Name on Record
Last Sale	$1,260,000 (Jan 2020)
Tax Bill	$15,188 (2025)
Deeds & Mortgages	Jan 2020 Sale Aug 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`066-134-014`

Property Details

APN / Parcel Number

Primary APN	`066-134-014`

Interior

Stories	2 Stories
Building Area	5,150 sqft Gross Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	545 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2522
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	R2
Legal Description	CY MB TN MB BL 8 LTS 1 & 2
Legal Subdivision	TOWN OF MONO CITY
Legal Block	8
Legal Lot Number	1,2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1027
Census Tract	10602

Owner

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	1970 ASPEN ST, LOS OSOS, CA 93402-2402
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2020	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Aug 1, 2018	Affidavit of Death, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Prior Sale	Dec 9, 1994 · Amount on Record
Deed Document Number	20205189
Last Transfer Date	May 24, 2024
Transfer Doc	0000014491
Record Updated	Sep 20, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 31, 2020
Property Address	545 MAIN ST, MORRO BAY, CA 93442-2522
Document Number	0000005189
Instrument Date	Jan 14, 2020
Instrument	5189
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$1,386.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1970 ASPEN ST LOS OSOS CA 934022402, LOS OSOS, CA 93402-2402

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 1, 2018
Property Address	545 MAIN ST, MORRO BAY, CA 93442-2522
Document Number	0000031783
Instrument Date	Jul 30, 2018
Instrument	31783
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4587 MONACO CT SANTA MARIA CA 934554074, SANTA MARIA, CA 93455-4074

Tax Assessment & Valuation

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		$1,405,549 (+2%) Land $585,645 Building $819,904
2025	$15,188.00 (+3.6%)	$1,377,990 (+4.04%) Land $574,162 Building $803,828
2023	$14,660.00 (+6.69%)	$1,324,482 Land $551,867 Building $772,615
2022	$13,741.00

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

Flood

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

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

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: Verizon.

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