965 Pacific St, Morro Bay, CA 93442 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 504 sqft · built 1949
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$514,000 (Nov 2020)
Tax Bill	$6,132 (2025)
Deeds & Mortgages	Oct 2021 Transfer Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-084-024`

Property Details

APN / Parcel Number

Primary APN	`066-084-024`
Alternative APN	`066-084-075`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	504 sqft Total Area

Exterior

Year Built	Built 1949
Construction Type	Wood
Lot Area	5,000 sqft (0.114 acres)
Terrain	Other

Location & Zoning

Street Address	965 PACIFIC ST
City	MORRO BAY
State	CA
Zip	93442-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB MORRO HTS BL 4 LT 17 & PTN LT 16
Legal Subdivision	MORRO HEIGHTS
Legal Tract	1
Legal Block	4
Legal Lot Number	16,17
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3006
Census Tract	10602

Owner

Source: San Luis Obispo County records, as of September 29, 2025

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2500 TORO CREEK RD, MORRO BAY, CA 93442-2998
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 20, 2020	Grant Deed, Transfer · Conventional Mortgage UMPQUA BANK
Feb 6, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	0000068336
Last Transfer Date	Oct 28, 2021
Transfer Doc	0000072783
Record Updated	Jun 8, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 28, 2021
Property Address	965 PACIFIC ST, MORRO BAY, CA 93442-2326
Document Number	0000072783
Map Reference	MB 3 PG 4
Instrument Date	Apr 27, 2021
Instrument	2021072783
Transaction Type	Transfer
Record Updated	Aug 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2500 TORO CREEK RD, MORRO BAY, CA 93442-2998

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 20, 2020
Property Address	965 PACIFIC ST, MORRO BAY, CA 93442-2326
Document Number	0000068336
Map Reference	MB 3 PG 4
Instrument Date	Sep 13, 2020
Instrument	2020068336
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN 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	Joint Tenants
Address	2500 TORO CREEK RD, MORRO BAY, CA 93442-2998

Mortgage

Document Number	0000068337
Date	Nov 20, 2020
Instrument	2020068337

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

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

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 6, 2019
Property Address	965 PACIFIC ST, MORRO BAY, CA 93442-2326
Document Number	0000004276
Instrument Date	Jan 17, 2019
Instrument	4276
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1321 17TH ST LOS OSOS CA 934021457, LOS OSOS, CA 93402-1457

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$6,132.00 (+3.6%)	$556,368 (+4.04%) Land $432,972 Building $123,396
2023	$5,919.00	$534,765 Land $416,160 Building $118,605

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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