660 Bay Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 660 Bay Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,405 sqft · built 1950
Lot Size	0.114 acres (5,000 sqft)
Owner	Trust Name on File
Tax Bill	$3,561 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-085-011`

Property Details

APN / Parcel Number

Primary APN	`066-085-011`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,405 sqft Living Area

Exterior

Year Built	Built 1950
Construction Type	Wood
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	660 BAY AVE
City	MORRO BAY
State	CA
Zip	93442-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB MORRO HTS BL 11 LT 12
Legal Subdivision	MORRO HEIGHTS
Legal Block	11
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3008
Census Tract	10602

Owner

660 Bay Ave is owner-occupied and held in a trust since June 2020.

Source: San Luis Obispo County records, as of September 29, 2025

Owner of Record	Trust Name on File
Mailing Address	660 BAY AVE, MORRO BAY, CA 93442-2308
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 11, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Sep 11, 2017
Last Transfer Date	Jun 15, 2020
Transfer Doc	0000029340
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	660 BAY AVE, MORRO BAY, CA 93442-2308
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 BAY AVE, MORRO BAY, CA 93442-2308

Mortgage

Document Number	0000034486
Date	May 7, 2021
Instrument	2021034486

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 15, 2020
Property Address	660 BAY AVE, MORRO BAY, CA 93442-2308
Document Number	0000029340
Instrument Date	May 21, 2020
Instrument	29340
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	660 BAY AVE MORRO BAY CA 934422308, MORRO BAY, CA 93442-2308

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 11, 2017
Property Address	660 BAY AVE, MORRO BAY, CA 93442-2308
Document Number	0000040562
Map Reference	MB3 PG4
Instrument Date	Aug 26, 2017
Instrument	2017040562
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	UNISOURCE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	660 BAY AVE, MORRO BAY, CA 93442-2308

Mortgage

Document Number	0000040563
Date	Sep 11, 2017
Instrument	2017040563

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 660 Bay Ave was $3,561 with a homeowner's exemption.

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$3,561.00 Homeowner's exemption	$330,106 Land $89,618 Building $240,488
2023	$3,434.00 (+6.75%) Homeowner's exemption	$317,289 Land $86,139 Building $231,150
2022	$3,217.00

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

Flood

FEMA maps place 660 Bay Ave in Zone X, an area of minimal flood risk.

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	6 in force

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 660 Bay Ave is moderate, ranking above 60% 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 60% of the US · lower than 64% 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.

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 921 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, Verizon.

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