846 Monterey Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 846 Monterey Ave, Morro Bay, CA 93442

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2 bd · 1 ba · 976 sqft · built 1925
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual on Record
Last Sale	$647,000 (Nov 2019)
Tax Bill	$7,796 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-064-006`

Property Details

APN / Parcel Number

Primary APN	`066-064-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	976 sqft Total Area
Gross Area	1,547 sqft

Exterior

Year Built	Built 1925
Construction Type	Tilt-Up Concrete
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	4,356 sqft (0.1 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	846 MONTEREY AVE
City	MORRO BAY
State	CA
Zip	93442-2130
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	C1
Legal Description	CY MB TN MORRO BL 35 PTN LT 6
Legal Subdivision	TOWN/MORRO
Legal Block	35
Legal Lot Number	6
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1038
Census Tract	10603

Owner

Source: San Luis Obispo County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	233 TRAVIS DR, LOS OSOS, CA 93402-4315
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage COASTAL FUNDING SLC INC
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage COASTAL FUNDING SLC INC
Nov 20, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage COASTAL FUNDING SLC INC
Nov 20, 2019	Grant Deed, Transfer PLACER TITLE COMPANY
May 4, 2017	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2019 · Amount on Record
Deed Sale	Nov 20, 2019 · Amount on Record
Prior Sale	Nov 20, 2019 · Amount on Record
Deed Document Number	2019052035
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	846 MONTEREY AVE, MORRO BAY, CA 93442-2130
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 FRONT ST, LAHAINA, HI 96761-1111

Mortgage

Document Number	0000034857
Date	Nov 17, 2023
Instrument	2023034857

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	EL PASO, TX 79925

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	846 MONTEREY AVE, MORRO BAY, CA 93442-2130
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 BALDWIN AVE, MAKAWAO, HI 96768-9523

Mortgage

Document Number	0000002168
Date	Jan 14, 2022
Instrument	2022002168

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	846 MONTEREY AVE, MORRO BAY, CA 93442-2130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE COMPANY MORRO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 QUINTANA RD 169, 169, MORRO BAY, CA 93442-1939

Mortgage

Document Number	0000077909
Date	Dec 29, 2020
Instrument	2020077909

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

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

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 20, 2019
Property Address	846 MONTEREY AVE, MORRO BAY, CA 93442-2130
Document Number	0000052036
Map Reference	MB A PG 35
Instrument Date	Nov 15, 2019
Instrument	2019052036
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

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	630 QUINTANA RD # 169, 169, MORRO BAY, CA 93442-1939

Mortgage

Document Number	0000052037
Date	Nov 20, 2019
Instrument	2019052037

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 20, 2019
Property Address	846 MONTEREY AVE, MORRO BAY, CA 93442-2130
Document Number	0000052035
Map Reference	MB A PG 35
Instrument Date	Nov 14, 2019
Instrument	2019052035
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	630 QUINTANA RD # 169, 169, MORRO BAY, CA 93442-1939

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 4, 2017
Property Address	846 MONTEREY AVE, MORRO BAY, CA 93442-2130
Document Number	0000019383
Instrument Date	Mar 24, 2017
Instrument	19383
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$632.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	844 MONTEREY AVE MORRO BAY CA 934422130, MORRO BAY, CA 93442-2130

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	$7,796.00 (+3.6%)	$707,366 (+4.04%) Land $492,139 Building $215,227
2023	$7,525.00 (+6.69%)	$679,900 Land $473,030 Building $206,870
2022	$7,053.00

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
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	0.03% 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 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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