660 Napa Ave, Morro Bay, CA 93442 Property Records

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

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,596 sqft · built 1987
Lot Size	0.037 acres (1,596 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Dec 2024)
Tax Bill	$8,740 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-124-039`

Property Details

APN / Parcel Number

Primary APN	`066-124-039`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,596 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	1,596 sqft (0.037 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	660 NAPA AVE
City	MORRO BAY
State	CA
Zip	93442-2236
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Description	CY MB TR 1341 UT 4 PTN LT 1
Legal Subdivision	TRACT NO 1341
Legal Tract	1341
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1009
Census Tract	10602

Owner

660 Napa Ave, a condominium, is owned and occupied by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	660 NAPA AVE, MORRO BAY, CA 93442-2236
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
Oct 9, 2025	Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK
Apr 25, 2024	Deed of Trust, Mortgage · Construction Mortgage LMF 2 LP
Feb 2, 2021	Intrafamily Transfer, Transfer
Feb 2, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on File
Deed Sale	Dec 5, 2024 · Amount on File
Prior Sale	Nov 5, 2002 · Amount on File
Deed Document Number	202435799
Prior Transfer Date	Jan 27, 2021
Prior Transfer Doc	0000007997
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	660 NAPA AVE, MORRO BAY, CA 93442-2236
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	660 NAPA AVE, MORRO BAY, CA 93442-2236

Mortgage

Document Number	0000029801
Date	Oct 9, 2025
Instrument	2025029801

Lender

Name	NBKC BANK
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	660 NAPA AVE, MORRO BAY, CA 93442-2236
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 MILL POND DR, SAN JOSE, CA 95125-1420

Mortgage

Document Number	0000010898
Date	Apr 25, 2024
Instrument	2024010898

Lender

Name	LMF 2 LP
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92121

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 2, 2021
Property Address	660 NAPA AVE, MORRO BAY, CA 93442-2236
Document Number	0000007997
Map Reference	MB 2912 PG 784
Instrument Date	Jan 27, 2021
Instrument	2021007997
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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
Address	591 MILL POND DR, SAN JOSE, CA 95125-1420

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 2, 2021
Property Address	660 NAPA AVE, MORRO BAY, CA 93442-2236
Document Number	0000007998
Map Reference	MB 2912 PG 784
Instrument Date	Jan 27, 2021
Instrument	2021007998
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	591 MILL POND DR, SAN JOSE, CA 95125-1420

Tax Assessment & Valuation

The 2025 property tax bill for 660 Napa Ave was $8,740 with a homeowner's exemption, up 50.5% from the year before.

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		$609,128 (-23.86%) Land $226,859 Building $382,269
2025	$8,740.00 (+50.53%)	$800,000 Land $375,000 Building $425,000
2024	$5,806.00 (+1.84%)
2023	$5,701.00 (+6.7%)	$515,054 Land $236,645 Building $278,409
2022	$5,343.00

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

Flood

FEMA maps place 660 Napa Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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	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

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 Napa Ave is low, with a 0.04% annual chance of wildfire.

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

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 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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