948 Pacific St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 948 Pacific St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,736 sqft · built 1994
Lot Size	0.146 acres (6,350 sqft)
Owner	Company Name on Record
Last Sale	$880,000 (Nov 2020)
Tax Bill	$10,421 (2025)
Deeds & Mortgages	Jun 2021 Transfer Oct 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-085-008`

Property Details

APN / Parcel Number

Primary APN	`066-085-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,736 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Lot Area	6,350 sqft (0.146 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	948 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 2
Legal Subdivision	MORRO HEIGHTS TR
Legal Block	11
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3008
Census Tract	10602

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	948 PACIFIC ST, MORRO BAY, CA 93442-2327
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Intrafamily Transfer, Transfer
Oct 25, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Nov 9, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Apr 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2020 · Amount on Record
Deed Sale	Nov 9, 2020 · Amount on Record
Prior Sale	Feb 4, 2015 · Amount on Record
Deed Document Number	202064701
Last Transfer Date	Jun 16, 2021
Transfer Doc	0000043459
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 17, 2021
Property Address	948 PACIFIC ST, MORRO BAY, CA 93442-2327
Document Number	0000043459
Map Reference	MB 3 PG 4
Instrument Date	Jun 16, 2021
Instrument	2021043459
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	948 PACIFIC ST, MORRO BAY, CA 93442-2327

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	948 PACIFIC ST, MORRO BAY, CA 93442-2327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048936
Date	Oct 25, 2017
Instrument	2017048936

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 9, 2020
Property Address	948 PACIFIC ST, MORRO BAY, CA 93442-2327
Document Number	0000064701
Map Reference	MB 3 PG 4
Instrument Date	Nov 6, 2020
Instrument	2020064701
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

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	Community Property with Right of Survivorship
Address	942 PACIFIC ST, MORRO BAY, CA 93442-2327

Mortgage

Document Number	0000064702
Date	Nov 9, 2020
Instrument	2020064702

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	948 PACIFIC ST, MORRO BAY, CA 93442-2327
Document Number	0000018953
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	948 PACIFIC ST MORRO BAY CA 934422327, MORRO BAY, CA 93442-2327

Mortgage

Document Number	0000018953
Date	Apr 20, 2020
Instrument	18953

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

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		$971,588 (+2%) Land $607,243 Building $364,345
2025	$10,421.00 (+3.63%) Homeowner's exemption	$952,538 (+4.04%) Land $595,337 Building $357,201
2023	$10,056.00 (+6.71%) Homeowner's exemption	$915,552 Land $572,220 Building $343,332
2022	$9,424.00

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
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

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.

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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