San Luis Obispo County property record for 590 Pacific St, Morro Bay, CA 93442
| Property Type | Home Plus Accessory Dwelling Unit |
|---|---|
| Details | 2 bd · 1 ba · 1,320 sqft · built 1944 |
| Lot Size | 0.134 acres (5,846 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $225,000 (Jul 2000) |
| Tax Bill | $5,808 (2025) |
| Deeds & Mortgages | May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-124-043 |
| Primary APN | 066-124-043 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 1,962 sqft |
| Year Built | Built 1944 |
|---|---|
| Construction Type | Wood |
| Lot Area | 5,846 sqft (0.134 acres) |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Street Address | 590 PACIFIC ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home Plus Accessory Dwelling Unit |
| Local Zoning Code | R2 |
| Legal Description | CY MB TN MORRO BL 23 PTN LT 1 |
| Legal Subdivision | TOWN/MONT BAY |
| Legal Block | 23 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10602 |
Source: San Luis Obispo County records · APN 066-124-043
Assessment roll updated July 1, 2025 · Last verified October 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Owner Type | Company, Secondary Individual |
| Vesting | Trust |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2000 · Amount on Record |
| Deed Sale | Jul 25, 2000 · Amount on Record |
| Prior Sale | Dec 04, 2007 · Amount on Record |
| Deed Document Number | 0000041748 |
| Last Transfer Date | May 23, 2024 |
| Transfer Doc | 0000013860 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 590 PACIFIC ST, MORRO BAY, CA 93442-2238 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000016195 |
|---|---|
| Date | May 03, 2019 |
| Instrument | 2019016195 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,808.00 (+3.58%) | $527,031 (+4.04%) Land $202,319 Building $324,712 |
| 2023 | $5,607.00 (+6.7%) | $506,567 Land $194,463 Building $312,104 |
| 2022 | $5,255.00 |
Source: FEMA National Flood Hazard Layer as of July 22, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 65% of the US · lower than 79% of California |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Radiate Holdings 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 USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
Based on FCC filings for 921 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MORRO BAY PW DEPT - WATER DIVISION serves 10,757 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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