775 Ridgeway St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 775 Ridgeway St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,400 sqft · built 1987
Lot Size	0.165 acres (7,200 sqft)
Owner	Company Name on Record
Last Sale	$850,000 (Mar 2006)
Tax Bill	$14,342 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-231-008`

Property Details

APN / Parcel Number

Primary APN	`066-231-008`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	7,200 sqft (0.165 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	775 RIDGEWAY ST
City	MORRO BAY
State	CA
Zip	93442-2813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 26 LT 10
Legal Subdivision	MORRO HEIGHTS
Legal Block	26
Legal Lot Number	10
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2031
Census Tract	10602

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	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Dec 1, 2021	Intrafamily Transfer, Transfer
Sep 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2006 · Amount on Record
Deed Sale	Mar 24, 2006 · Amount on Record
Deed Document Number	200620243
Last Transfer Date	Dec 1, 2021
Transfer Doc	0000079138
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813
Transaction Type	Mortgage
Record Updated	Aug 17, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL AGCY SOL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813

Mortgage

Document Number	0000068717
Date	Oct 12, 2021
Instrument	2021068717

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

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

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 1, 2021
Property Address	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813
Document Number	0000079138
Map Reference	MB 3 PG 4
Instrument Date	Dec 1, 2021
Instrument	2021079138
Transaction Type	Transfer
Record Updated	Aug 17, 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	Family Trust
Address	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 24, 2020
Property Address	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813
Document Number	0000052576
Map Reference	MB 3 PG 4
Instrument Date	Aug 18, 2020
Instrument	2020052576
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SOLIDIFI

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	Joint Tenants
Address	775 RIDGEWAY ST, MORRO BAY, CA 93442-2813

Mortgage

Document Number	0000052577
Date	Sep 24, 2020
Instrument	2020052577

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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		$1,334,452 (+2%) Land $871,190 Building $463,262
2025	$14,342.00 (+3.62%) Homeowner's exemption	$1,308,287 (+4.04%) Land $854,108 Building $454,179
2023	$13,841.00 (+18.28%) Homeowner's exemption	$1,257,487 Land $820,943 Building $436,544
2022	$11,702.00

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	3 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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	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 344 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

May also be available: Ranch Wifi, T-Mobile, Verizon.

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