Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$938,058$558 / 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 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $350,000 on Apr 4, 2002

490 RADCLIFF ST

MORRO BAY, CA 93442
4
Beds
2
Baths
1,682 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1971
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
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

$938K
$861K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Apr 4, 2002
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$358,158
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$286,526
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.58%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$480,000
ENVOY MORTGAGE LTD · recorded Mar 20, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$99,900
RABOBANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,598 (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.$525,229 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$301,360
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$223,869
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$514,931

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
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
85
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.36 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
CountySAN LUIS OBISPO
Lot (acres)The size of the land the home sits on, from county records.0.13
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(8)

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.

H
Morro Bay High SchoolA-
High · Grades 9–12 · 0.8 mi
E
Del Mar Elementary SchoolB
Elementary · Grades KG–6 · 1.6 mi
M
Los Osos Middle SchoolA-
Middle · Grades 7–8 · 3.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

490 Radcliff 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.

  • Costs less per square foot than 74% of homes in Morro Bay 93442
  • Has a smaller lot than 71% of homes in San Luis Obispo County
  • Older than 75% 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
$506K$2.2M

This home is worth more than 53% 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$938,058
CheaperTypical $922,442Pricier

Pricier than 53% of homes nearby

Price per ft²$558
CheaperTypical $640Pricier

Pricier than 26% of homes nearby

Living area1,682 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.13 ac
SmallerTypical 0.11 acBigger

Bigger than 66% of homes nearby

Year built1971
OlderTypical 1972Newer

Newer than 46% of homes nearby

How 490 Radcliff St ranks against every home in each area.
MeasureThis homeMorro Bay 93442San Luis Obispo County
Estimated valuepricier than$938,05853% of homes56% of homes
Price per ft²pricier than$55826% of homes59% of homes
Living areabigger than1,682 ft²62% of homes52% of homes
Lot sizebigger than0.13 ac66% of homes29% of homes
Year builtnewer than197146% of homes25% of homes

About 490 Radcliff St

How much is 490 Radcliff St, Morro Bay, CA worth?

The TopHap Estimate for 490 Radcliff St, Morro Bay, CA is $938,058 as of Jul 14, 2026. The likely range is $861,378 to $1,014,738. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 490 Radcliff St, Morro Bay, CA last sell?

490 Radcliff St, Morro Bay, CA last sold on Apr 4, 2002 for $350,000, according to the county's recorded deed.

How big is 490 Radcliff St, Morro Bay, CA?

490 Radcliff St, Morro Bay, CA has 4 bedrooms, 2 bathrooms, 1,682 square feet of living space and a 0.13-acre lot.

When was 490 Radcliff St, Morro Bay, CA built?

490 Radcliff St, Morro Bay, CA was built in 1971, making it 55 years old. The building has 2 stories.

What schools serve 490 Radcliff St, Morro Bay, CA?

490 Radcliff St, Morro Bay, CA is assigned to Morro Bay High School (high), rated A-; Del Mar Elementary School (elementary), rated B; 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 490 Radcliff St, Morro Bay, CA compare to other homes in Morro Bay 93442?

Among the 5,348 homes in Morro Bay 93442, it is worth more than 53% of them ($938,058 against a typical $922,442), its price per square foot is higher than 26% of them ($558 against a typical $640), it is bigger than 62% of them (1,682 ft² against a typical 1,492 ft²), its lot is bigger than 66% of them (0.13 ac against a typical 0.11 ac) and it is newer than 46% of them (1971 against a typical 1972). Measured against all of San Luis Obispo County, it is worth more than 56% 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 490 Radcliff St, Morro Bay, CA?

The 2025 property tax bill for 490 Radcliff St, Morro Bay, CA was $5,598. The county assessed it at $525,229.

More homes on Radcliff St

Closest homes

More homes in Morro Bay 93442

Assigned schools

Explore the area

See this home in context

Open 490 Radcliff St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map