660 Harbor St, Morro Bay, CA 93442 Property Records

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

Property Summary

Property Type	Commercial Office
Details	2 ba · 1,121 sqft · built 1960
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$431,500 (Mar 2020)
Tax Bill	$5,196 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-068-005`

Property Details

APN / Parcel Number

Primary APN	`066-068-005`

Interior

Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,121 sqft Gross Area
1st Floor Area	1,121 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	660 HARBOR ST
City	MORRO BAY
State	CA
Zip	93442-1906
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	GO
Legal Description	CY MB TN MORRO BL 37 PTN LTS 1 & 2
Legal Subdivision	MORRO
Legal Block	37
Legal Lot Number	1,2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1040
Census Tract	10603

Owner

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	Company Name on Record
Mailing Address	12440 SAN MARCOS RD, ATASCADERO, CA 93422-7017
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage PACIFIC PREMIER BK
May 27, 2020	Deed of Trust, Mortgage COASTAL BUSN FIN
Mar 27, 2020	Grant Deed, Transfer · Commercial Mortgage PACIFIC PREMIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Prior Sale	Jul 18, 1997 · Amount on Record
Deed Document Number	202015162
Last Transfer Date	Jul 1, 2024
Transfer Doc	0000018619
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	660 HARBOR ST, MORRO BAY, CA 93442-1906
Document Number	0000031595
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 HARBOR ST MORRO BAY CA 934421906, MORRO BAY, CA 93442-1906

Mortgage

Document Number	0000031595
Date	Jun 25, 2020
Instrument	31595

Lender

Name	PACIFIC PREMIER BK
Type	Bank
Address	SAN LUIS OBISPO, CA 93401-3604

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 24, 2030

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	660 HARBOR ST, MORRO BAY, CA 93442-1906
Document Number	0000031590
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	660 HARBOR ST MORRO BAY CA 934421906, MORRO BAY, CA 93442-1906

Mortgage

Document Number	0000031590
Date	Jun 25, 2020
Instrument	31590

Lender

Name	COASTAL BUSN FIN
Type	Funding / Finance Company
Address	SANTA MARIA, CA 93454

Agreement

Amount	Amount Recorded

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 27, 2020
Property Address	660 HARBOR ST, MORRO BAY, CA 93442-1906
Document Number	0000015162
Map Reference	MB A PG 35
Instrument Date	Jan 15, 2020
Instrument	2020015162
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	12440 SAN MARCOS RD, ATASCADERO, CA 93422-7017

Mortgage

Document Number	0000015163
Date	Mar 27, 2020
Instrument	2020015163

Lender

Name	PACIFIC PREMIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000015166
Date	Mar 27, 2020
Instrument	2020015166

Lender

Name	PACIFIC PREMIER BANK
Type	Bank
Address	IRVINE, CA 92614

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$480,893 (+2%) Land $301,187 Building $179,706
2025	$5,196.00 (+3.61%)	$471,465 (+4.04%) Land $295,282 Building $176,183
2023	$5,015.00 (+6.68%)	$453,160 Land $283,817 Building $169,343
2022	$4,701.00

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
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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.

Nearby Properties on Harbor St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures