600 Downing St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 600 Downing St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1965
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Apr 2019)
Tax Bill	$7,914 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-159-001`

Property Details

APN / Parcel Number

Primary APN	`068-159-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,568 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Lot Area	3,600 sqft (0.083 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	600 DOWNING ST
City	MORRO BAY
State	CA
Zip	93442-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB HRBR FRT U 1 BL 2 LT 1
Legal Subdivision	HARBOR FRONT
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1050
Census Tract	10603

Owner

600 Downing St is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	600 DOWNING ST, MORRO BAY, CA 93442-1824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLEXPOINT INC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 18, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Prior Sale	Nov 8, 2002 · Amount on File
Deed Document Number	201913829
Prior Transfer Date	Jun 1, 1994
Prior Transfer Doc	0000035033
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	600 DOWNING ST, MORRO BAY, CA 93442-1824
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 DOWNING ST, MORRO BAY, CA 93442-1824

Mortgage

Document Number	0000016900
Date	Mar 4, 2021
Instrument	2021016900

Lender

Name	FLEXPOINT INC
Type	Non-Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	600 DOWNING ST, MORRO BAY, CA 93442-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048319
Date	Oct 31, 2019
Instrument	2019048319

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 18, 2019
Property Address	600 DOWNING ST, MORRO BAY, CA 93442-1824
Document Number	0000013829
Map Reference	MB 5 PG 18
Instrument Date	Mar 8, 2019
Instrument	2019013829
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	600 DOWNING ST, MORRO BAY, CA 93442-1824

Mortgage

Document Number	0000013830
Date	Apr 18, 2019
Instrument	2019013830

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 600 Downing St was $7,914 with a homeowner's exemption.

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		$739,584 (+2%) Land $426,683 Building $312,901
2025	$7,914.00 Homeowner's exemption	$725,083 Land $418,317 Building $306,766
2023	$7,636.00 (+6.71%) Homeowner's exemption	$696,928 Land $402,074 Building $294,854
2022	$7,156.00

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

Flood

FEMA maps place 600 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1982–2023)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Mar 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 600 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 Risk	Moderate above 64% of the US · lower than 60% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 519 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: AT&T, Peak WiFi, Verizon.

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