684 Piney Way, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 684 Piney Way, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 870 sqft · built 1951
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$766,000 (Oct 2021)
Tax Bill	$8,876 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-151-012`

Property Details

APN / Parcel Number

Primary APN	`066-151-012`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	870 sqft Living Area

Exterior

Year Built	Built 1951
Construction Type	Wood
Lot Area	6,000 sqft (0.137 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	684 PINEY WAY
City	MORRO BAY
State	CA
Zip	93442-2356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CY MB MORRO HTS BL 16 LT 15
Legal Subdivision	MORRO HEIGHTS
Legal Block	16
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3018
Census Tract	10602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	684 PINEY WAY, MORRO BAY, CA 93442-2356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COASTHILLS CU
Oct 18, 2021	Grant Deed, Transfer · Conventional Mortgage CENTRAL COAST LENDING INC
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC
Jun 30, 2017	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Document Number	2021070554
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	684 PINEY WAY, MORRO BAY, CA 93442-2356
Transaction Type	Mortgage
Record Updated	Apr 23, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 PINEY WAY, MORRO BAY, CA 93442-2356

Mortgage

Document Number	0000009302
Date	Apr 10, 2024
Instrument	2024009302

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 18, 2021
Property Address	684 PINEY WAY, MORRO BAY, CA 93442-2356
Document Number	0000070554
Map Reference	MB 3 PG 4
Instrument Date	Oct 6, 2021
Instrument	2021070554
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	684 PINEY WAY, MORRO BAY, CA 93442-2356

Mortgage

Document Number	0000070555
Date	Oct 18, 2021
Instrument	2021070555

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	684 PINEY WAY, MORRO BAY, CA 93442-2356
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1641, MORRO BAY, CA 93443-1641

Mortgage

Document Number	0000005284
Date	Jan 25, 2021
Instrument	2021005284

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 30, 2017
Property Address	684 PINEY WAY, MORRO BAY, CA 93442-2356
Document Number	0000028830
Instrument Date	May 17, 2017
Instrument	28830
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$548.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	684 PINEY WAY MORRO BAY CA 934422356, MORRO BAY, CA 93442-2356

Mortgage

Document Number	28831
Date	Jun 30, 2017
Instrument	28831

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

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	$8,876.00 (+3.63%) Homeowner's exemption	$812,353 (+4.04%) Land $610,194 Building $202,159
2023	$8,565.00 (+6.72%) Homeowner's exemption	$780,810 Land $586,500 Building $194,310
2022	$8,026.00

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
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

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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