690 Olive St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 690 Olive St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,139 sqft · built 1946
Lot Size	0.193 acres (8,417 sqft)
Owner	Individual Name on Record
Last Sale	$900,000 (Nov 2022)
Tax Bill	$10,320 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-342-019`

Property Details

APN / Parcel Number

Primary APN	`066-342-019`
Alternative APN	`066-342-028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,139 sqft Total Area

Exterior

Year Built	Built 1946
Construction Type	Wood
Lot Area	8,417 sqft (0.193 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	690 OLIVE ST
City	MORRO BAY
State	CA
Zip	93442-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB TN MOR CERR AD PTN BLK H&T29S R11E PT SEC 36
Legal Subdivision	CERRITO ADD/MORRO
Legal Block	H
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1023
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	690 OLIVE ST, MORRO BAY, CA 93442-2729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL COAST LENDING INC
Nov 15, 2022	Grant Deed, Transfer · Conventional Mortgage CENTRAL COAST LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Prior Sale	Aug 18, 2015
Deed Document Number	2022044964
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	690 OLIVE ST, MORRO BAY, CA 93442-2729
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 OLIVE ST, MORRO BAY, CA 93442-2729

Mortgage

Document Number	0000036664
Date	Nov 26, 2025
Instrument	2025036664

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 15, 2022
Property Address	690 OLIVE ST, MORRO BAY, CA 93442-2729
Document Number	0000044964
Map Reference	MB A PG 34
Instrument Date	Nov 7, 2022
Instrument	2022044964
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	PLACER 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	690 OLIVE ST, MORRO BAY, CA 93442-2729

Mortgage

Document Number	0000044965
Date	Nov 15, 2022
Instrument	2022044965

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

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	$10,320.00 (+3.6%)	$936,360 (+4.04%) Land $702,270 Building $234,090
2023	$9,961.00	$900,000 Land $675,000 Building $225,000

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	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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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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