701 Embarcadero, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 701 Embarcadero, Morro Bay, CA 93442

Property Summary

Property Type	Restaurant
Details	7,864 sqft · built 1994
Lot Size	0.412 acres (17,940 sqft)
Owner	Company Name on File
Tax Bill	$19,857 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`940-000-192`

Property Details

APN / Parcel Number

Primary APN	`940-000-192`

Interior

Stories	1 Story
Building Area	7,864 sqft Gross Area
1st Floor Area	7,864 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	17,940 sqft (0.412 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	701 EMBARCADERO
City	MORRO BAY
State	CA
Zip	93442-2174
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	WF
Legal Description	PI LEASE SITES 78-81/78W - 81W
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1022
Census Tract	10603

Owner

701 Embarcadero, a commercial property, is owned by a company.

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

Owner of Record	Company Name on File
Mailing Address	701 EMBARCADERO, E, MORRO BAY, CA 93442-2174
Owner Type	Company

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
Jan 3, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE VAN BEURDEN FAMILY TRUST
Jul 16, 2019	Loan Modification, Mortgage RABOBANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	701 EMBARCADERO, MORRO BAY, CA 93442-2174
Transaction Type	Mortgage
Record Updated	Jan 10, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1330 VAN BEURDEN DR 101, 101, LOS OSOS, CA 93402-3383

Mortgage

Document Number	0000000078
Date	Jan 3, 2022
Instrument	2022000078

Lender

Name	THE VAN BEURDEN FAMILY TRUST
Type	Non-Lending Institution
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	701 EMBARCADERO, MORRO BAY, CA 93442-2174
Document Number	0000030102
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1330 VAN BEURDEN DR #101 LOS OSOS CA 934023383, 101, LOS OSOS, CA 93402-3383

Mortgage

Document Number	0000030102
Date	Jul 26, 2019
Instrument	30102

Lender

Name	RABOBANK
Type	Bank
Address	LOS OSOS, CA 93402

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 701 Embarcadero was $19,857.

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		$1,837,647 (+2%) Land $537,418 Building $1,300,229
2025	$19,857.00	$1,801,616 Land $526,881 Building $1,274,735
2023	$19,167.00 (+6.69%)	$1,731,659 Land $506,422 Building $1,225,237
2022	$17,965.00

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

Flood

FEMA maps place 701 Embarcadero in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 701 Embarcadero is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond 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 289 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: Verizon.

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