San Luis Obispo County property record for 938 Pacific St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,370 sqft · built 1951 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $577,000 (Sep 2017) |
| Tax Bill | $7,159 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-085-005 |
| Primary APN | 066-085-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,370 sqft Living Area |
| 1st Floor Area | 990 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Multi-Family |
| Construction Type | Wood |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Sewer | Connected |
|---|
| Street Address | 938 PACIFIC ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 11 LT 7 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 11 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 10602 |
938 Pacific St is owned and occupied by an individual who bought it in September 2017.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 938 PACIFIC ST, MORRO BAY, CA 93442-2327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage CENTRAL COAST LENDING INC |
| Sep 12, 2017 | Grant Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2017 · Amount on File |
| Deed Sale | Sep 12, 2017 · Amount on File |
| Deed Document Number | 201740801 |
| Prior Transfer Date | Oct 30, 2006 |
| Prior Transfer Doc | 0000085238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 938 PACIFIC ST, MORRO BAY, CA 93442-2327 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PLACER TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 938 PACIFIC ST, MORRO BAY, CA 93442-2327 |
| Document Number | 0000075897 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 2020075897 |
| Name | CENTRAL COAST LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MORRO BAY, CA 93442 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Sep 12, 2017 |
| Property Address | 938 PACIFIC ST, MORRO BAY, CA 93442-2327 |
| Document Number | 0000040801 |
| Map Reference | MB3 PG4 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 2017040801 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 938 PACIFIC ST, MORRO BAY, CA 93442-2327 |
| Document Number | 0000040802 |
|---|---|
| Date | Sep 12, 2017 |
| Instrument | 2017040802 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 938 Pacific St was $7,159 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $669,651 (+2%) Land $464,232 Building $205,419 | |
| 2025 | $7,159.00 Homeowner's exemption | $656,522 Land $455,130 Building $201,392 |
| 2023 | $6,907.00 (+6.72%) Homeowner's exemption | $631,030 Land $437,457 Building $193,573 |
| 2022 | $6,472.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 938 Pacific St in Zone X, an area of minimal flood risk.
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 risk around 938 Pacific St is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 64% of California |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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