983 Carmel St, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 983 Carmel St, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,240 sqft · built 1955
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on File
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-201-079`

Property Details

APN / Parcel Number

Primary APN	`066-201-079`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	983 CARMEL ST
City	MORRO BAY
State	CA
Zip	93442-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	CY MB MORRO BAY VISTA TR3BL 1 LT 29
Legal Subdivision	MORRO BAY VISTA
Legal Tract	3BL
Legal Block	2
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2018
Census Tract	10602

Owner

983 Carmel St is owned by a company that acquired it in May 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	983 CARMEL ST, MORRO BAY, CA 93442-2607
Occupancy	Owner Occupied
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
Dec 9, 2025	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
May 5, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
May 3, 2022	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Oct 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022
Deed Sale	May 3, 2022
Prior Sale	May 7, 2015 · Amount on File
Deed Document Number	202219349
Prior Transfer Date	Sep 8, 2021
Prior Transfer Doc	0000066863
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	983 CARMEL ST, MORRO BAY, CA 93442-2607
Transaction Type	Mortgage
Record Updated	Jan 6, 2026
Title Company	STEWART TITLE ELKO, STEWART TITLE ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	983 CARMEL ST, MORRO BAY, CA 93442-2607

Mortgage

Document Number	0000037749
Date	Dec 9, 2025
Instrument	2025037749

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 5, 2022
Property Address	983 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000019896
Map Reference	MB 3 PG 58
Instrument Date	Apr 28, 2022
Instrument	2022019896
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	983 CARMEL ST, MORRO BAY, CA 93442-2607

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 3, 2022
Property Address	983 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000019349
Map Reference	MB 3 PG 58
Instrument Date	Apr 28, 2022
Instrument	2022019349
Transaction Type	Transfer
Record Updated	May 30, 2022
Title Company	FIDELITY NATIONAL TITLE

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	983 CARMEL ST, MORRO BAY, CA 93442-2607

Mortgage

Document Number	0000019350
Date	May 3, 2022
Instrument	2022019350

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 1, 2021
Property Address	983 CARMEL ST, MORRO BAY, CA 93442-2607
Document Number	0000066863
Map Reference	MB 3 PG 58
Instrument Date	Sep 8, 2021
Instrument	2021066863
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY SAN L

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	983 CARMEL ST, MORRO BAY, CA 93442-2607

Mortgage

Document Number	0000066864
Date	Oct 1, 2021
Instrument	2021066864

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 983 Carmel St was $4,890 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		$459,696 (+2%) Land $337,112 Building $122,584
2025	$4,890.00 Homeowner's exemption	$450,683 Land $330,502 Building $120,181
2023	$4,717.00 (+6.72%) Homeowner's exemption	$433,184 Land $317,669 Building $115,515
2022	$4,420.00

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

Flood

FEMA maps place 983 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 983 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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