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Single Family ResidenceResidential
$1,148,715$647 / 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 85How 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 $984,000 on Jun 5, 2023

978 BALBOA ST

MORRO BAY, CA 93442
3
Beds
2
Baths
1,775 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.
1958
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.1M
$974K 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.$984,000 · Jun 5, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,284 (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.$1,044,227 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$583,664
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$460,563
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,023,753

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.22
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
87
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.
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.0.11
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 · 1.7 mi
E
Del Mar Elementary SchoolB+
Elementary · Grades KG–6 · 2.5 mi
M
Los Osos Middle SchoolA-
Middle · Grades 7–8 · 3.0 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%

Owner Tools

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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

978 Balboa 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 71% of homes in San Luis Obispo County
  • Costs more per square foot than 72% of homes in San Luis Obispo County
  • Bigger than 68% of homes in Morro Bay 93442
  • Has a smaller lot than 77% of homes in San Luis Obispo County
  • Older than 87% 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$2.3M

This home is worth more than 69% 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$1,148,715
CheaperTypical $998,402Pricier

Pricier than 69% of homes nearby

Price per ft²$647
CheaperTypical $687Pricier

Pricier than 38% of homes nearby

Living area1,775 ft²
SmallerTypical 1,491 ft²Bigger

Bigger than 68% of homes nearby

Lot size0.11 ac
SmallerTypical 0.11 acBigger

Bigger than 49% of homes nearby

Year built1958
OlderTypical 1972Newer

Newer than 27% of homes nearby

How 978 Balboa St ranks against every home in each area.
MeasureThis homeMorro Bay 93442San Luis Obispo County
Estimated valuepricier than$1,148,71569% of homes71% of homes
Price per ft²pricier than$64738% of homes72% of homes
Living areabigger than1,775 ft²68% of homes57% of homes
Lot sizebigger than0.11 ac49% of homes23% of homes
Year builtnewer than195827% of homes13% of homes

About 978 Balboa St

How much is 978 Balboa St, Morro Bay, CA worth?

The TopHap Estimate for 978 Balboa St, Morro Bay, CA is $1,148,715 as of Sep 24, 2026. The likely range is $973,662 to $1,323,768. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 978 Balboa St, Morro Bay, CA last sell?

978 Balboa St, Morro Bay, CA last sold on Jun 5, 2023 for $984,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 978 Balboa St, Morro Bay, CA?

978 Balboa St, Morro Bay, CA has 3 bedrooms, 2 bathrooms, 1,775 square feet of living space and a 0.11-acre lot.

When was 978 Balboa St, Morro Bay, CA built?

978 Balboa St, Morro Bay, CA was built in 1958, making it 68 years old. The building has 2 stories.

What schools serve 978 Balboa St, Morro Bay, CA?

978 Balboa 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 978 Balboa 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 69% of them ($1,148,715 against a typical $998,402), its price per square foot is higher than 38% of them ($647 against a typical $687), it is bigger than 68% of them (1,775 ft² against a typical 1,491 ft²), its lot is bigger than 49% of them (0.11 ac against a typical 0.11 ac) and it is newer than 27% of them (1958 against a typical 1972). Measured against all of San Luis Obispo County, it is worth more than 71% 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 978 Balboa St, Morro Bay, CA?

The 2025 property tax bill for 978 Balboa St, Morro Bay, CA was $11,284. The county assessed it at $1,044,227.

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