San Luis Obispo County property record for 560 Embarcadero, Morro Bay, CA 93442
| Property Type | Restaurant |
|---|---|
| Details | 1,894 sqft · built 1983 |
| Lot Size | 0.193 acres (8,419 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,100,000 (Jul 2007) |
| Tax Bill | $16,533 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-131-028 |
| Primary APN | 066-131-028 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,894 sqft Gross Area |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 8,419 sqft (0.193 acres) |
| Sewer | Connected |
|---|
| Old Parcel Number | 066131028 |
|---|---|
| Street Address | 560 EMBARCADERO |
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2218 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | CVS |
| Legal Description | CY MB PM 27/24 PTN PAR 3 |
| Legal Subdivision | TOWN MORRO |
| Legal Block | 18 |
| Legal Lot Number | 17 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 10602 |
Source: San Luis Obispo County records, as of August 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 583 MORRO AVE, MORRO BAY, CA 93442-2248 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2007 · Amount on Record |
| Deed Sale | Jul 20, 2007 · Amount on Record |
| Prior Sale | Jul 28, 2004 · Amount on Record |
| Deed Document Number | 200749429 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 560 EMBARCADERO, MORRO BAY, CA 93442-2218 |
| Document Number | 0000005957 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 583 MORRO AVE MORRO BAY CA 934422248, MORRO BAY, CA 93442-2248 |
| Document Number | 0000005957 |
|---|---|
| Date | Feb 21, 2019 |
| Instrument | 5957 |
| Name | BANK OF THE SIERRA |
|---|---|
| Type | Bank |
| Address | PASO ROBLES, CA 93446 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
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 | $1,050,000 (-3%) Land $775,000 Building $275,000 | |
| 2025 | $16,533.00 (+10.65%) | $1,500,000 (+11.11%) Land $1,200,000 Building $300,000 |
| 2023 | $14,942.00 (+4.59%) | $1,350,000 Land $1,050,000 Building $300,000 |
| 2022 | $14,286.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 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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