846 Pacific St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 846 Pacific St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,796 sqft · built 1953
Lot Size	0.129 acres (5,600 sqft)
Owner	Company Name on Record
Last Sale	$535,000 (Mar 2020)
Tax Bill	$7,423 (2025)
Deeds & Mortgages	Mar 2021 Transfer Mar 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-155-002`

Property Details

APN / Parcel Number

Primary APN	`066-155-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,796 sqft Living Area
1st Floor Area	1,796 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Lot Area	5,600 sqft (0.129 acres)
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	846 PACIFIC ST
City	MORRO BAY
State	CA
Zip	93442-2361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	30
Legal Description	CY MB MORRO HTS BL 14 PTN LTS 1 & 2
Legal Subdivision	MORRO HEIGHTS
Legal Block	14
Legal Lot Number	1,2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3020
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	611 FRESNO AVE, MORRO BAY, CA 93442-2313
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Intrafamily Transfer, Transfer
Mar 5, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 5, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Feb 4, 2019	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2019	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Deed Document Number	202011002
Last Transfer Date	Mar 23, 2021
Transfer Doc	0000024154
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 31, 2021
Property Address	846 PACIFIC ST, MORRO BAY, CA 93442-2361
Document Number	0000024154
Map Reference	MB 3 PG 4
Instrument Date	Mar 23, 2021
Instrument	2021024154
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
Address	611 FRESNO AVE, MORRO BAY, CA 93442-2313

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 5, 2020
Property Address	846 PACIFIC ST, MORRO BAY, CA 93442-2361
Document Number	0000011002
Map Reference	MB 3 PG 4
Instrument Date	Feb 13, 2020
Instrument	2020011002
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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
Address	611 FRESNO AVE, MORRO BAY, CA 93442-2313

Mortgage

Document Number	0000011003
Date	Mar 5, 2020
Instrument	2020011003

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 5, 2020
Property Address	846 PACIFIC ST, MORRO BAY, CA 93442-2361
Document Number	0000011001
Instrument Date	Feb 13, 2020
Instrument	11001
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	611 FRESNO AVE MORRO BAY CA 934422313, MORRO BAY, CA 93442-2313

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 4, 2019
Property Address	846 PACIFIC ST, MORRO BAY, CA 93442-2361
Document Number	0000003956
Instrument Date	Jan 29, 2019
Instrument	3956
Transaction Type	Transfer
Record Updated	Feb 12, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WELSH LN ARROYO GRANDE CA 934205350, ARROYO GRANDE, CA 93420-5350

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 4, 2019
Property Address	846 PACIFIC ST, MORRO BAY, CA 93442-2361
Document Number	0000003955
Instrument Date	Jan 29, 2019
Instrument	3955
Transaction Type	Transfer
Record Updated	Feb 12, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 WELSH LN ARROYO GRANDE CA 934205350, ARROYO GRANDE, CA 93420-5350

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		$686,999 (+2%) Land $446,205 Building $240,794
2025	$7,423.00 (+3.6%)	$673,529 (+4.04%) Land $437,456 Building $236,073
2023	$7,165.00 (+22.81%)	$647,377 Land $420,470 Building $226,907
2022	$5,834.00

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	6 in force

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	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.

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 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.

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