San Luis Obispo County property record for 987 Balboa St, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,585 sqft · built 1953 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Apr 2013) |
| Tax Bill | $4,343 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-082-017 |
| Primary APN | 066-082-017 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,585 sqft Living Area |
| 1st Floor Area | 967 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Multi-Family |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 987 BALBOA ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO B VST 1 BL 4 LT 24 |
| Legal Subdivision | MORRO BAY VISTA 01 |
| Legal Tract | 1 |
| Legal Block | 4 |
| Legal Lot Number | 24 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 10602 |
987 Balboa St is owned and occupied by two individuals who bought it in April 2013.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 987 BALBOA ST, MORRO BAY, CA 93442-2305 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2013 · Amount on File |
| Deed Sale | Apr 17, 2013 · Amount on File |
| Prior Sale | Apr 16, 2012 · Amount on File |
| Deed Document Number | 201321987 |
| Prior Transfer Date | Aug 24, 2010 |
| Prior Transfer Doc | 0000048487 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 987 BALBOA ST, MORRO BAY, CA 93442-2305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 987 BALBOA ST, MORRO BAY, CA 93442-2305 |
| Document Number | 0000006749 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 2021006749 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BAKERSFIELD, CA 93309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 987 Balboa St was $4,343.
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 | $401,924 (+2%) Land $282,606 Building $119,318 | |
| 2025 | $4,343.00 | $394,044 Land $277,065 Building $116,979 |
| 2023 | $4,192.00 (+6.69%) | $378,745 Land $266,307 Building $112,438 |
| 2022 | $3,929.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 987 Balboa St in Zone X, an area of minimal flood risk.
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 risk around 987 Balboa St is moderate, ranking above 60% of the US, with a 0.2% annual chance of 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.
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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