921 Carmel St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 921 Carmel St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,015 sqft · built 1951
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Trust Names on File
Last Sale	$672,500 (Oct 2019)
Tax Bill	$8,029 (2025)
Deeds & Mortgages	Oct 2019 Transfer Oct 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-201-062`

Property Details

APN / Parcel Number

Primary APN	`066-201-062`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,015 sqft Living Area
1st Floor Area	1,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	921 CARMEL ST
City	MORRO BAY
State	CA
Zip	93442-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO B VST 3 BL 1 PTN LTS 14 & 15
Legal Subdivision	MORRO BAY VISTA
Legal Tract	3
Legal Block	1
Legal Lot Number	14,15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2018
Census Tract	10602

Owner

921 Carmel St is owner-occupied and held in a trust since August 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	921 CARMEL ST, MORRO BAY, CA 93442-2607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Oct 31, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 7, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 24, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
Jul 25, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 27, 2018	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019 · Amount on File
Deed Sale	Oct 7, 2019 · Amount on File
Prior Sale	Nov 27, 2018 · Amount on File
Deed Document Number	201942890
Last Transfer Date	Aug 9, 2024
Transfer Doc	0000022833
Record Updated	Oct 29, 2026

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 31, 2019
Property Address	921 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000048415
Instrument Date	Oct 30, 2019
Instrument	48415
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 7075 LOS OSOS CA 934127075, LOS OSOS, CA 93412-7075

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 7, 2019
Property Address	921 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000042890
Map Reference	MB 3 PG 58
Instrument Date	Sep 30, 2019
Instrument	2019042890
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
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	PO BOX 7075, LOS OSOS, CA 93412-7075

Mortgage

Document Number	0000042891
Date	Oct 7, 2019
Instrument	2019042891

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 24, 2019
Property Address	921 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000029780
Map Reference	MB 3 PG 58
Instrument Date	Jun 11, 2019
Instrument	2019029780
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FNT SLO MAIN BRANCH COST CEN

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
Relationship	Joint Tenants
Address	921 CARMEL ST, MORRO BAY, CA 93442-2607

Mortgage

Document Number	0000029781
Date	Jul 24, 2019
Instrument	2019029781

Lender

Name	SESLOC FCU
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 25, 2019
Property Address	921 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000029843
Instrument Date	Jun 11, 2019
Instrument	29843
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	921 CARMEL ST MORRO BAY CA 934422607, MORRO BAY, CA 93442-2607

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 27, 2018
Property Address	921 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000048780
Map Reference	MB3 PG58
Instrument Date	Nov 16, 2018
Instrument	2018048780
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	921 CARMEL ST, MORRO BAY, CA 93442-2607

Mortgage

Document Number	0000048781
Date	Nov 27, 2018
Instrument	2018048781

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 921 Carmel St was $8,029 with a homeowner's exemption, 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		$750,180 (+2%) Land $552,179 Building $198,001
2025	$8,029.00 (+1.75%)	$735,471 Land $541,352 Building $194,119
2024	$7,891.00 (+0.86%)
2023	$7,824.00 (+6.68%)	$706,914 Land $520,332 Building $186,582
2022	$7,334.00

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

Flood

FEMA maps place 921 Carmel St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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	3 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	4 of 9
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 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 921 Carmel 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.

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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