970 Carmel St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 970 Carmel St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,184 sqft · built 1953
Lot Size	0.103 acres (4,500 sqft)
Owner	Company Name on File
Tax Bill	$1,668 (2025)
Deeds & Mortgages	May 2021 Transfer Feb 2021 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-203-024`

Property Details

APN / Parcel Number

Primary APN	`066-203-024`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Construction Type	Wood
Lot Area	4,500 sqft (0.103 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	970 CARMEL ST
City	MORRO BAY
State	CA
Zip	93442-2663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO B VST 3 BL 6 LT 13 & PTN LT 14
Legal Subdivision	MORRO BAY VISTA 03
Legal Tract	3
Legal Block	6
Legal Lot Number	13,14
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2040
Census Tract	10602

Owner

970 Carmel St is owned by a company that acquired it in March 2021.

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

Owner of Record	Company Name on File
Mailing Address	12896 ROAD 37 1/2, MADERA, CA 93636-8757
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.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Intrafamily Transfer, Transfer
Feb 10, 2021	Gift Deed, Transfer
Jan 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 12, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 18, 2021
Transfer Doc	0000037472
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 20, 2021
Property Address	970 CARMEL ST, MORRO BAY, CA 93442-2663
Document Number	0000037472
Map Reference	MB 3 PG 58
Instrument Date	Mar 18, 2021
Instrument	2021037472
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	Revocable Living Trust
Address	12896 ROAD 37 1 2, 2, MADERA, CA 93636

February 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 10, 2021
Property Address	970 CARMEL ST, MORRO BAY, CA 93442-2663
Document Number	0000010722
Map Reference	MB 3 PG 58
Instrument Date	Feb 9, 2021
Instrument	2021010722
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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
Address	12896 ROAD MADERA, MADERA, CA 93636

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2019
Property Address	970 CARMEL ST, MORRO BAY, CA 93442-2663
Document Number	0000003033
Instrument Date	Jan 15, 2019
Instrument	3033
Transaction Type	Transfer
Record Updated	Feb 6, 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
Address	35709 MARCIEL AVE MADERA CA 936368414, MADERA, CA 93636-8414

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2019
Property Address	970 CARMEL ST, MORRO BAY, CA 93442-2663
Document Number	0000003034
Instrument Date	Jan 15, 2019
Instrument	3034
Transaction Type	Transfer
Record Updated	Feb 6, 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	35709 MARCIEL AVE MADERA CA 936368414, MADERA, CA 93636-8414

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 12, 2017
Property Address	970 CARMEL ST, MORRO BAY, CA 93442-2663
Document Number	0000025644
Instrument Date	May 23, 2017
Instrument	25644
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35709 MARCIEL AVE MADERA CA 936368414, MADERA, CA 93636-8414

Tax Assessment & Valuation

The 2025 property tax bill for 970 Carmel St was $1,668.

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		$154,429 (+2%) Land $80,386 Building $74,043
2025	$1,668.00	$151,402 Land $78,810 Building $72,592
2023	$1,610.00 (+6.69%)	$145,524 Land $75,750 Building $69,774
2022	$1,509.00

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

Flood

FEMA maps place 970 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 970 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.

Nearby Properties on Carmel St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures