938 Pecho St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 938 Pecho St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,187 sqft · built 1952
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Individual Names on File
Last Sale	$920,000 (Oct 2023)
Tax Bill	$9,620 (2025)
Deeds & Mortgages	Oct 2023 Sale Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-201-037`

Property Details

APN / Parcel Number

Primary APN	`066-201-037`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,187 sqft Living Area
1st Floor Area	1,187 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	5,250 sqft (0.121 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	938 PECHO ST
City	MORRO BAY
State	CA
Zip	93442-2629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 7 LT 15
Legal Subdivision	MORRO HEIGHTS
Legal Block	7
Legal Lot Number	15
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2018
Census Tract	10602

Owner

938 Pecho St is owned and occupied by two individuals who bought it in October 2023.

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	2 Individual Names on File
Mailing Address	938 PECHO ST, MORRO BAY, CA 93442-2629
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Dec 11, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 12, 2019	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on File
Deed Sale	Oct 20, 2023 · Amount on File
Prior Sale	Jul 7, 2016 · Amount on File
Deed Document Number	202331731
Prior Transfer Date	Nov 12, 1993
Prior Transfer Doc	0000073540
Record Updated	Oct 29, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 20, 2023
Property Address	938 PECHO ST, MORRO BAY, CA 93442-2629
Document Number	0000031731
Map Reference	MB 3 PG 4
Instrument Date	Oct 12, 2023
Instrument	2023031731
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount 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	938 PECHO ST, MORRO BAY, CA 93442-2629

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 11, 2020
Property Address	938 PECHO ST, MORRO BAY, CA 93442-2629
Document Number	0000073140
Map Reference	MB 3 PG 4
Instrument Date	Dec 7, 2020
Instrument	2020073140
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ORANGE COAST TITLE

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	938 PECHO ST, MORRO BAY, CA 93442-2629

Mortgage

Document Number	0000073141
Date	Dec 11, 2020
Instrument	2020073141

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 12, 2019
Property Address	938 PECHO ST, MORRO BAY, CA 93442-2629
Document Number	0000055676
Instrument Date	Nov 18, 2019
Instrument	55676
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	938 PECHO ST MORRO BAY CA 934422629, MORRO BAY, CA 93442-2629

Mortgage

Document Number	55949
Date	Dec 12, 2019
Instrument	55949

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 938 Pecho St was $9,620 with a homeowner's exemption.

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		$948,417 (+7.8%) Land $412,839 Building $535,578
2025	$9,620.00 Homeowner's exemption	$879,822 Land $404,745 Building $475,077
2023	$6,651.00 (+6.71%) Homeowner's exemption	$607,954 Land $418,318 Building $189,636
2022	$6,233.00

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

Flood

FEMA maps place 938 Pecho 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 938 Pecho 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.

Nearby Properties on Pecho St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures