575 Napa Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 575 Napa Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,635 sqft · built 1952
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on Record
Last Sale	$168,000 (Apr 1996)
Tax Bill	$4,254 (2025)
Deeds & Mortgages	Jun 2026 Sale Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-141-010`

Property Details

APN / Parcel Number

Primary APN	`066-141-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,635 sqft Living Area
1st Floor Area	1,635 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	8,712 sqft (0.2 acres)
Terrain	Below Road/Slope
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	575 NAPA AVE
City	MORRO BAY
State	CA
Zip	93442-2254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB TN MORRO BL 15 LT 3
Legal Subdivision	TOWN/MORRO
Legal Block	15
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1011
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	2 Company Names on Record
Mailing Address	575 NAPA AVE, MORRO BAY, CA 93442-2254
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 1996 · Amount on Record
Deed Sale	Apr 15, 1996 · Amount on Record
Deed Document Number	199618526
Last Transfer Date	Sep 4, 2002
Transfer Doc	0000074761
Record Updated	Sep 20, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 29, 2026
Property Address	575 NAPA AVE, MORRO BAY, CA 93442-2254
Document Number	0000020328
Instrument Date	Jun 23, 2026
Instrument	202620328
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	575 NAPA AVE, MORRO BAY, CA 93442-2254

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	575 NAPA AVE, MORRO BAY, CA 93442-2254
Transaction Type	Mortgage
Record Updated	Oct 21, 2025
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 MAFA AVE, MORRO BAY, CA 93442

Mortgage

Document Number	0000029277
Date	Oct 6, 2025
Instrument	2025029277

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	575 NAPA AVE, MORRO BAY, CA 93442-2254
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 NAPA AVE, MORRO BAY, CA 93442-2254

Mortgage

Document Number	0000005315
Date	Jan 25, 2021
Instrument	2021005315

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2050

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		$400,833 (+2%) Land $233,959 Building $166,874
2025	$4,254.00 (+3.68%) Homeowner's exemption	$392,974 (+4.04%) Land $229,372 Building $163,602
2023	$4,103.00 (+6.74%) Homeowner's exemption	$377,716 Land $220,466 Building $157,250
2022	$3,844.00

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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