San Luis Obispo County property record for 655 Paula St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,636 sqft · built 1939 |
| Lot Size | 0.202 acres (8,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Dec 2019) |
| Tax Bill | $9,581 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-245-057 |
| Primary APN | 068-245-057 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,636 sqft Living Area |
| 1st Floor Area | 1,772 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 8,800 sqft (0.202 acres) |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 655 PAULA ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO DEL MAR 2 BL 11 LTS 16 & 17 |
| Legal Subdivision | MORRO DEL MAR SUBDIVISION NO 2 |
| Legal Block | 11 |
| Legal Lot Number | 16,17 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 10505 |
655 Paula St is owned and occupied by two individuals who bought it in December 2019.
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 655 PAULA ST, MORRO BAY, CA 93442-1769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Dec 11, 2019 | Grant Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Feb 15, 2019 | Grant Deed, Transfer · Conventional Mortgage WARD PETER M TRUST (PT) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2019 · Amount on File |
| Deed Sale | Dec 11, 2019 · Amount on File |
| Prior Sale | Feb 15, 2019 · Amount on File |
| Deed Document Number | 201955615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 655 PAULA ST, MORRO BAY, CA 93442-1769 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 655 PAULA ST, MORRO BAY, CA 93442-1769 |
| Document Number | 0000076241 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 2020076241 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 11, 2019 |
| Property Address | 655 PAULA ST, MORRO BAY, CA 93442-1769 |
| Document Number | 0000055615 |
| Map Reference | MB 3 PG 81 |
| Instrument Date | Nov 7, 2019 |
| Instrument | 2019055615 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 655 PAULA ST, MORRO BAY, CA 93442-1769 |
| Document Number | 0000055616 |
|---|---|
| Date | Dec 11, 2019 |
| Instrument | 2019055616 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Feb 15, 2019 |
| Property Address | 655 PAULA ST, MORRO BAY, CA 93442-1769 |
| Document Number | 0000005374 |
| Instrument Date | Dec 27, 2018 |
| Instrument | 5374 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $605.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1270 LITTLE MORRO CREEK RD MORRO BAY CA 934421874, MORRO BAY, CA 93442-1874 |
| Document Number | 5375 |
|---|---|
| Date | Feb 15, 2019 |
| Instrument | 5375 |
| Name | WARD PETER M TRUST (PT) |
|---|---|
| Address | 690 ELENA ST, MORRO BAY, CA 93442-1704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 655 Paula St was $9,581 with a homeowner's exemption.
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 | $893,787 (+2%) Land $390,429 Building $503,358 | |
| 2025 | $9,581.00 Homeowner's exemption | $876,263 Land $382,774 Building $493,489 |
| 2023 | $7,204.00 (+12.21%) Homeowner's exemption | $657,875 Land $367,911 Building $289,964 |
| 2022 | $6,420.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 655 Paula St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 17 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
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 risk around 655 Paula St is moderate, ranking above 64% of the US, with a 0.2% 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 61% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within 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 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
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