965 Carmel St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 965 Carmel St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,155 sqft · built 1989
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jan 1997)
Tax Bill	$4,410 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jun 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`066-201-077`

Property Details

APN / Parcel Number

Primary APN	`066-201-077`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,155 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	965 CARMEL ST
City	MORRO BAY
State	CA
Zip	93442-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO B VST TR 3 BL 1 LT 25
Legal Subdivision	MORRO VISTA 03
Legal Tract	3
Legal Block	1
Legal Lot Number	25
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2018
Census Tract	10602

Owner

965 Carmel St is owned and occupied by an individual who acquired it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	965 CARMEL ST, MORRO BAY, CA 93442-2607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage RESOURCE LENDERS INC
Jun 23, 2017	Quit Claim Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 1997 · Amount on File
Deed Sale	Jan 15, 1997 · Amount on File
Deed Document Number	19972275
Last Transfer Date	May 26, 2017
Transfer Doc	0000027566
Record Updated	Sep 20, 2026

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 23, 2017
Property Address	965 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000027567
Map Reference	MB3 PG58
Instrument Date	May 26, 2017
Instrument	2017027567
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	965 CARMEL ST, MORRO BAY, CA 93442-2607

Mortgage

Document Number	0000027568
Date	Jun 23, 2017
Instrument	2017027568

Lender

Name	RESOURCE LENDERS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 23, 2017
Property Address	965 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000027566
Instrument Date	May 26, 2017
Instrument	27566
Transaction Type	Transfer
Record Updated	Jul 6, 2017
Title Company	PLACER TITLE COMPANY, PLACER 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	Separate Estate/Property
Address	965 CARMEL ST MORRO BAY CA 934422607, MORRO BAY, CA 93442-2607

Tax Assessment & Valuation

The 2025 property tax bill for 965 Carmel St was $4,410 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		$415,276 (+2%) Land $166,109 Building $249,167
2025	$4,410.00 Homeowner's exemption	$407,134 Land $162,852 Building $244,282
2023	$4,254.00 (+6.75%) Homeowner's exemption	$391,327 Land $156,529 Building $234,798
2022	$3,985.00

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

Flood

FEMA maps place 965 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	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 965 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.

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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