San Luis Obispo County property record for 785 Harbor St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 438 sqft · built 1920 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $495,500 (Jun 2024) |
| Tax Bill | $5,570 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-071-014 |
| Primary APN | 066-071-014 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 438 sqft Living Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Wood |
| Lot Area | 2,500 sqft (0.057 acres) |
| Heating System | HVAC |
|---|---|
| Sewer | Connected |
| Street Address | 785 HARBOR ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-1907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 60 |
| Legal Description | CY MB MORRO HTS BL 1 LT 35 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 1 |
| Legal Lot Number | 35 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 10603 |
785 Harbor St is owned and occupied by an individual who bought it in June 2024.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 785 HARBOR ST, MORRO BAY, CA 93442-1907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 26, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2024 · Amount on File |
| Deed Sale | Jun 14, 2024 · Amount on File |
| Deed Document Number | 202415949 |
| Prior Transfer Date | Jun 7, 2024 |
| Prior Transfer Doc | 0000015948 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 785 HARBOR ST, MORRO BAY, CA 93442-1907 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 785 HARBOR ST, MORRO BAY, CA 93442-1907 |
| Document Number | 0000039045 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 2025039045 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.76% |
| Max Rate At Change | 6.74% |
| Index | 1-Year T-Bill |
| Max Rate | 10.7% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Oct 26, 2023 |
| Property Address | 785 HARBOR ST, MORRO BAY, CA 93442-1907 |
| Document Number | 0000032486 |
| Map Reference | MB 3 PG 111 |
| Instrument Date | Sep 19, 2023 |
| Instrument | 2023032486 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 3205 CLARK VALLEY RD, LOS OSOS, CA 93402-4622 |
The 2025 property tax bill for 785 Harbor St was $5,570.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $515,518 (+2%) Land $416,160 Building $99,358 | |
| 2025 | $5,570.00 | $505,410 Land $408,000 Building $97,410 |
| 2023 | $863.00 (+6.67%) | $78,042 Land $71,237 Building $6,805 |
| 2022 | $809.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 785 Harbor St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.
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 |
| 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 |
|
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 risk around 785 Harbor St is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 68% of California |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures