939 Main St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 939 Main St, Morro Bay, CA 93442

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,080 sqft · built 1960
Lot Size	0.176 acres (7,656 sqft)
Owner	Company Name on Record
Last Sale	$625,000 (Sep 2019)
Tax Bill	$7,662 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-055-022`

Property Details

APN / Parcel Number

Primary APN	`066-055-022`

Interior

Stories	1 Story
Building Area	1,080 sqft Gross Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Wood
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	7,656 sqft (0.176 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	939 MAIN ST
City	MORRO BAY
State	CA
Zip	93442-2119
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C1
Legal Description	CY MB TN MORRO BL 42 LT 17
Legal Subdivision	LANDS MARCH & MC
Legal Block	42
Legal Lot Number	17
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	1
Census Block	1042
Census Tract	10603

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	939 MAIN ST, MORRO BAY, CA 93442-2119
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2019	Deed of Trust, Mortgage MECHANICS BK
Sep 20, 2019	Grant Deed, Transfer · Commercial Mortgage MECHANICS BANK
Nov 29, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 17, 2017	Grant Deed, Transfer · Construction Mortgage SLO CAPITAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Prior Sale	Nov 17, 2017 · Amount on Record
Deed Document Number	201939794
Prior Transfer Date	May 23, 2006
Prior Transfer Doc	0000038981
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	939 MAIN ST, MORRO BAY, CA 93442-2119
Document Number	0000042651
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	939 MAIN ST MORRO BAY CA 934422119, MORRO BAY, CA 93442-2119

Mortgage

Document Number	0000042651
Date	Oct 4, 2019
Instrument	42651

Lender

Name	MECHANICS BK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 3, 2039

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 20, 2019
Property Address	939 MAIN ST, MORRO BAY, CA 93442-2119
Document Number	0000039794
Map Reference	MB A PG 159
Instrument Date	Sep 13, 2019
Instrument	2019039794
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY MORRO

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
Relationship	Family Trust
Address	1163 MAIN ST, MORRO BAY, CA 93442-2005

Mortgage

Document Number	0000039795
Date	Sep 20, 2019
Instrument	2019039795

Lender

Name	MECHANICS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000039799
Date	Sep 20, 2019
Instrument	2019039799

Lender

Name	MECHANICS BANK
Type	Bank
Address	ROSEVILLE, CA 95678

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 29, 2018
Property Address	939 MAIN ST, MORRO BAY, CA 93442-2119
Document Number	0000049243
Instrument Date	Nov 28, 2018
Instrument	49243
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1815 HILLCREST AVE LOS ANGELES CA 90027, LOS ANGELES, CA 90027

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 17, 2017
Property Address	939 MAIN ST, MORRO BAY, CA 93442-2119
Document Number	0000052889
Instrument Date	Oct 11, 2017
Instrument	52889
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
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	2206 RONDA VISTA DR LOS ANGELES CA 900274642, LOS ANGELES, CA 90027-4642

Mortgage

Document Number	52890
Date	Nov 17, 2017
Instrument	52890

Lender

Name	SLO CAPITAL INC
Type	Funding / Finance Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 16, 2018

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		$708,151 (+1.86%) Land $541,024 Building $167,127
2025	$7,662.00 (+5.36%)	$695,238 (+5.82%) Land $530,416 Building $164,822
2023	$7,272.00 (+6.69%)	$656,984 Land $509,820 Building $147,164
2022	$6,816.00

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
Flood Insurance Cost	Premium on Record 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

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	0.03% 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 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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