San Luis Obispo County property record for 296 Kern Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,654 sqft · built 1974 |
| Lot Size | 0.161 acres (7,021 sqft) |
| Owner | Company Name on File |
| Last Sale | $433,500 (May 2014) |
| Tax Bill | $8,384 (2025) |
| Deeds & Mortgages | Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-264-020 |
| Primary APN | 066-264-020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,654 sqft Living Area |
| 1st Floor Area | 1,654 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Wood |
| Lot Area | 7,021 sqft (0.161 acres) |
| Terrain | Above Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 296 KERN AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB PM 12-6 PAR 2 |
| Legal Subdivision | PARCEL MAP MB-72-227 |
| Legal Block | 2 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 10602 |
296 Kern Ave is owned by a company that bought it in May 2014 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 296 KERN AVE, MORRO BAY, CA 93442-2809 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 | Name on Deed |
|---|---|
| Last Sale | May 14, 2014 · Amount on File |
| Deed Sale | May 14, 2014 · Amount on File |
| Prior Sale | Jun 2, 1994 · Amount on File |
| Deed Document Number | 201419088 |
| Prior Transfer Date | Jul 25, 2011 |
| Prior Transfer Doc | 0000039685 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 296 KERN AVE, MORRO BAY, CA 93442-2809 |
| Document Number | 0000017423 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2019 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 296 KERN AVE MORRO BAY CA 934422809, MORRO BAY, CA 93442-2809 |
| Document Number | 0000017423 |
|---|---|
| Date | May 13, 2019 |
| Instrument | 17423 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | TAMPA, FL 33634 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 296 Kern Ave was $8,384 with a homeowner's exemption.
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 | $783,090 (+2%) Land $378,431 Building $404,659 | |
| 2025 | $8,384.00 Homeowner's exemption | $767,736 Land $371,011 Building $396,725 |
| 2023 | $8,090.00 (+6.71%) Homeowner's exemption | $737,926 Land $356,605 Building $381,321 |
| 2022 | $7,581.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 296 Kern Ave 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 296 Kern Ave is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 78% of California |
|---|---|
| Wildfire Likelihood | 0.06% 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 344 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 |
May also be available: Ranch Wifi, T-Mobile, Verizon.
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