San Luis Obispo County property record for 956 Carmel St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 900 sqft · built 1952 |
| Lot Size | 0.125 acres (5,450 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,763 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-203-017 |
| Primary APN | 066-203-017 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Wood |
| Lot Area | 5,450 sqft (0.125 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 956 CARMEL ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | CY MB MORRO B VST 3 BL 6 LT 12 |
| Legal Subdivision | MORRO BAY VISTA |
| Legal Tract | 3 |
| Legal Block | 6 |
| Legal Lot Number | 12 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 10602 |
956 Carmel St is owned by a company that acquired it in March 2012.
Source: San Luis Obispo County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 486 ARCADIA AVE, MORRO BAY, CA 93442-2606 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 22, 2012 |
| Transfer Doc | 0000024592 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 956 Carmel St was $1,763.
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 | $163,227 (+2%) Land $76,169 Building $87,058 | |
| 2025 | $1,763.00 | $160,027 Land $74,676 Building $85,351 |
| 2023 | $1,702.00 (+6.71%) | $153,815 Land $71,777 Building $82,038 |
| 2022 | $1,595.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 956 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 |
|
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 956 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.
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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