San Luis Obispo County property record for 991 Ridgeway St, Morro Bay, CA 93442
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,632 sqft · built 1959 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $785,000 (Feb 2020) |
| Tax Bill | $9,462 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Aug 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-204-026 |
| Primary APN | 066-204-026 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 1,632 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Duplex Single |
| Construction Type | Wood |
| Lot Area | 5,000 sqft (0.115 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 987 RIDGEWAY ST |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2848 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RSF |
| Legal Description | CY MB MORRO B VST BL 5 LT 26 |
| Legal Subdivision | MORRO BAY 03 |
| Legal Block | 5 |
| Legal Lot Number | 26 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 10602 |
991 Ridgeway St, a duplex, is owned by a company that bought it in February 2020.
Source: San Luis Obispo County records, as of August 6, 2026
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 | Company Name on File |
|---|---|
| Mailing Address | 25332 SHADYWOOD, LAGUNA NIGUEL, CA 92677-1970 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Dec 8, 2023 | Correction Deed |
| Aug 18, 2022 | Intrafamily Transfer, Transfer |
| Feb 13, 2020 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 18, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 17, 2017 | Grant Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 13, 2020 · Amount on File |
| Deed Sale | Feb 13, 2020 · Amount on File |
| Prior Sale | Nov 17, 2017 · Amount on File |
| Deed Document Number | 20207168 |
| Prior Transfer Date | Apr 24, 1994 |
| Prior Transfer Doc | 0000028094 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 8, 2023 |
| Property Address | 991 RIDGEWAY ST, MORRO BAY, CA 93442-2848 |
| Document Number | 0000036593 |
| Map Reference | MB 3 PG 58 |
| Instrument Date | Dec 5, 2023 |
| Instrument | 2023036593 |
| Record Updated | Dec 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 25332 SHADYWOOD, LAGUNA NIGUEL, CA 92677-1970 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 18, 2022 |
| Property Address | 991 RIDGEWAY ST, MORRO BAY, CA 93442-2848 |
| Document Number | 0000033527 |
| Map Reference | MB 3 PG 58 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 2022033527 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 25332 SHADYWOOD, LAGUNA BEACH, CA 92677-1970 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Feb 13, 2020 |
| Property Address | 991 RIDGEWAY ST, MORRO BAY, CA 93442-2848 |
| Document Number | 0000007168 |
| Map Reference | MB 3 PG 58 |
| Instrument Date | Dec 27, 2019 |
| Instrument | 2020007168 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 25332 SHADYWOOD, LAGUNA BEACH, CA 92677-1970 |
| Document Number | 0000007169 |
|---|---|
| Date | Feb 13, 2020 |
| Instrument | 2020007169 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Apr 18, 2018 |
| Property Address | 991 RIDGEWAY ST, MORRO BAY, CA 93442-2848 |
| Document Number | 0000015346 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 15346 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 991 RIDGEWAY ST MORRO BAY CA 934422848, MORRO BAY, CA 93442-2848 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Nov 17, 2017 |
| Property Address | 991 RIDGEWAY ST, MORRO BAY, CA 93442-2848 |
| Document Number | 0000052903 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 52903 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $732.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 991 RIDGEWAY ST MORRO BAY CA 934422848, MORRO BAY, CA 93442-2848 |
| Document Number | 52904 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 52904 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 16, 2047 |
The 2025 property tax bill for 991 Ridgeway St was $9,462.
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 | $875,677 (+2%) Land $529,869 Building $345,808 | |
| 2025 | $9,462.00 | $858,508 Land $519,480 Building $339,028 |
| 2023 | $9,133.00 (+6.68%) | $825,173 Land $499,309 Building $325,864 |
| 2022 | $8,561.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 991 Ridgeway 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 |
|
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 991 Ridgeway 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 |
| Adjoins Burnable Land | Yes |
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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Ranch Wifi Fixed Wireless | 100 / 20 |
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