830 Embarcadero, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 830 Embarcadero, Morro Bay, CA 93442

Property Summary

Property Type	Restaurant
Details	1,521 sqft · built 1959
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Tax Bill	$13,153 (2025)
Deeds & Mortgages	Aug 2023 Transfer Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-321-006`

Property Details

APN / Parcel Number

Primary APN	`066-321-006`

Interior

Stories	1 Story
Building Area	1,521 sqft Gross Area
1st Floor Area	1,521 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	830 EMBARCADERO
City	MORRO BAY
State	CA
Zip	93442-2148
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	VSC
Legal Description	CY MB PM 3/10 PAR 36
Legal Subdivision	PARCEL MAP MB 68-30
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1058
Census Tract	10603

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	Individual Name on Record
Mailing Address	830 EMBARCADERO, MORRO BAY, CA 93442-2148
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Aug 4, 2023	Grant Deed, Transfer · SBA Mortgage HARVEST SMALL BUSINESS FINANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 5, 2012
Transfer Doc	0000008189
Record Updated	Sep 20, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 4, 2023
Property Address	830 EMBARCADERO, MORRO BAY, CA 93442-2148
Document Number	0000022817
Map Reference	MB 3 PG 10
Instrument Date	Aug 3, 2023
Instrument	2023022817
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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
Address	PO BOX 1137, HANFORD, CA 93232-1137

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 4, 2023
Property Address	830 EMBARCADERO, MORRO BAY, CA 93442-2148
Document Number	0000022818
Map Reference	MB 3 PG 10
Instrument Date	Apr 17, 2023
Instrument	2023022818
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Community Property with Right of Survivorship
Address	94 SAINT MARY AVE, CAYUCOS, CA 93430-1124

Mortgage

Document Number	0000022819
Date	Aug 4, 2023
Instrument	2023022819

Lender

Name	HARVEST SMALL BUSINESS FINANCE LLC

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

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		$1,217,268 (+2%) Land $728,280 Building $488,988
2025	$13,153.00 (+136.74%)	$1,193,400 (+137.75%) Land $714,000 Building $479,400
2023	$5,556.00 (+6.7%)	$501,963 Land $432,740 Building $69,223
2022	$5,207.00

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.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	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 519 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, Peak WiFi, Verizon.

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