875 Embarcadero, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 875 Embarcadero, Morro Bay, CA 93442

Property Summary

Property Type	Restaurant
Details	4,531 sqft · built 1993
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on File
Last Sale	$635,000 (Oct 2018)
Tax Bill	$11,467 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`940-000-188`

Property Details

APN / Parcel Number

Primary APN	`940-000-188`

Interior

Stories	1 Story
Building Area	4,531 sqft Gross Area
1st Floor Area	4,531 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)

Location & Zoning

Street Address	875 EMBARCADERO
City	MORRO BAY
State	CA
Zip	93442-2147
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	CR
Legal Description	PI - LEASE SITE 90-90W GIFT/SHOP/RESTAURANT
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1022
Census Tract	10603

Owner

875 Embarcadero, a commercial property, is owned by a company that bought it in October 2018.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Company Name on File
Mailing Address	755 SANTA ROSA ST, 310, SAN LUIS OBISPO, CA 93401-4805
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2020	Deed of Trust, Mortgage COASTHILLS CU
Oct 26, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2018 · Amount on File
Deed Sale	Oct 26, 2018 · Amount on File
Deed Document Number	201844974
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	875 EMBARCADERO, MORRO BAY, CA 93442-2147
Document Number	0000033669
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2550 STARKEY RD SHANDON CA 93461, SHANDON, CA 93461

Mortgage

Document Number	0000033669
Date	Jul 6, 2020
Instrument	33669

Lender

Name	COASTHILLS CU
Address	1075 E BETTERAVIA RD, SANTA MARIA, CA 93454-7023

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 5, 2035

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 26, 2018
Property Address	875 EMBARCADERO, MORRO BAY, CA 93442-2147
Document Number	0000044974
Instrument Date	Aug 21, 2018
Instrument	44974
Transaction Type	Transfer
Record Updated	Nov 7, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$698.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	755 SANTA ROSA ST #310 SAN LUIS OBISPO CA 934014805, 310, SAN LUIS OBISPO, CA 93401-4805

Tax Assessment & Valuation

The 2025 property tax bill for 875 Embarcadero was $11,467, up 1.7% from the year before.

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		$1,061,207 (+2%) Land $435,095 Building $626,112
2025	$11,467.00 (+1.72%)	$1,040,400 Land $426,564 Building $613,836
2024	$11,273.00 (+1.85%)
2023	$11,068.00 (-4.61%)	$1,000,000 Land $410,000 Building $590,000
2022	$11,603.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 875 Embarcadero in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
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	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

Wildfire risk around 875 Embarcadero is low, with a 0.02% annual chance of 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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