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Single Family ResidenceResidential
$1,190,530$733 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $569,000 on Dec 26, 2003

190 FORMOSA ST

MORRO BAY, CA 93442
3
Beds
2
Baths
1,624 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.2M
$1.1M low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$569,000 · Dec 26, 2003

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,917 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$825,160 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$580,085
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$245,075
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$808,981

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.35
71
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
82
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountySAN LUIS OBISPO
Lot (acres)The size of the land the home sits on, from county records.0.11
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Del Mar Elementary SchoolB
Elementary · Grades KG–6 · 0.2 mi
H
Morro Bay High SchoolA-
High · Grades 9–12 · 1.0 mi
M
Los Osos Middle SchoolA-
Middle · Grades 7–8 · 5.5 mi

District: San Luis Coastal Unified School District

Neighborhood · ZIP 93442These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.145
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.279

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.79%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.11,683
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.241 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$91,320
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,453
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.20 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.75%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

190 Formosa St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 73% of homes in Morro Bay 93442
  • Costs more per square foot than 83% of homes in San Luis Obispo County
  • Has a smaller lot than 77% of homes in San Luis Obispo County
  • Older than 85% of homes in San Luis Obispo County

What homes are worth in Morro Bay 93442

Each bar is how many homes fall in that price range. The marker is this home.

This home
$543K$2.2M

This home is worth more than 73% of homes in Morro Bay 93442.

How it measures up in Morro Bay 93442

The dot is this home. The mark in the middle is the typical home in Morro Bay 93442.

Estimated value$1,190,530
CheaperTypical $998,025Pricier

Pricier than 73% of homes nearby

Price per ft²$733
CheaperTypical $686Pricier

Pricier than 61% of homes nearby

Living area1,624 ft²
SmallerTypical 1,491 ft²Bigger

Bigger than 59% of homes nearby

Lot size0.11 ac
SmallerTypical 0.11 acBigger

Bigger than 51% of homes nearby

Year built1959
OlderTypical 1973Newer

Newer than 30% of homes nearby

How 190 Formosa St ranks against every home in each area.
MeasureThis homeMorro Bay 93442San Luis Obispo County
Estimated valuepricier than$1,190,53073% of homes73% of homes
Price per ft²pricier than$73361% of homes83% of homes
Living areabigger than1,624 ft²59% of homes48% of homes
Lot sizebigger than0.11 ac51% of homes23% of homes
Year builtnewer than195930% of homes15% of homes

About 190 Formosa St

How much is 190 Formosa St, Morro Bay, CA worth?

The TopHap Estimate for 190 Formosa St, Morro Bay, CA is $1,190,530 as of Sep 24, 2026. The likely range is $1,101,729 to $1,279,331. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 190 Formosa St, Morro Bay, CA last sell?

190 Formosa St, Morro Bay, CA last sold on Dec 26, 2003 for $569,000, according to the county's recorded deed.

How big is 190 Formosa St, Morro Bay, CA?

190 Formosa St, Morro Bay, CA has 3 bedrooms, 2 bathrooms, 1,624 square feet of living space and a 0.11-acre lot.

When was 190 Formosa St, Morro Bay, CA built?

190 Formosa St, Morro Bay, CA was built in 1959, making it 67 years old. It is a contemporary home. The building has 1 story.

What schools serve 190 Formosa St, Morro Bay, CA?

190 Formosa St, Morro Bay, CA is assigned to Del Mar Elementary School (elementary), rated B; Morro Bay High School (high), rated A-; Los Osos Middle School (middle), rated A-. All sit in San Luis Coastal Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 190 Formosa St, Morro Bay, CA compare to other homes in Morro Bay 93442?

Among the 5,347 homes in Morro Bay 93442, it is worth more than 73% of them ($1,190,530 against a typical $998,025), its price per square foot is higher than 61% of them ($733 against a typical $686), it is bigger than 59% of them (1,624 ft² against a typical 1,491 ft²), its lot is bigger than 51% of them (0.11 ac against a typical 0.11 ac) and it is newer than 30% of them (1959 against a typical 1973). Measured against all of San Luis Obispo County, it is worth more than 73% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 190 Formosa St, Morro Bay, CA?

The 2025 property tax bill for 190 Formosa St, Morro Bay, CA was $8,917. The county assessed it at $825,160.

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