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305 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 305 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,085 sqft · built 1952
Lot Size0.17 acres (7,400 sqft)
OwnerCompany Name on Record
Last Sale$539,000 (Nov 2010)
Tax Bill$8,009 (2025)
Deeds & MortgagesDec 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN066-234-009

Property Details

APN / Parcel Number

Primary APN066-234-009

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area2,085 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Architectural StyleRanch
Exterior MaterialStucco
Construction TypeWood
Roof MaterialTar & Gravel
Lot Area7,400 sqft (0.17 acres)
TerrainBelow Road/Slope
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address305 BERNARDO AVE
CityMORRO BAY
StateCA
Zip93442-2823
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCY MB MORRO HTS BL 33 LT 10
Legal SubdivisionMORRO HEIGHTS
Legal Block33
Legal Lot Number10
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2036
Census Tract10602

Owner

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 RecordCompany Name on Record
Mailing Address305 BERNARDO AVE, MORRO BAY, CA 93442-2823
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 23, 2010 · Amount on Record
Deed SaleNov 23, 2010 · Amount on Record
Deed Document Number201059676
Prior Transfer DateFeb 28, 1997
Prior Transfer Doc0000010139
Record UpdatedOct 29, 2026

December 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateDec 15, 2017
Property Address305 BERNARDO AVE, MORRO BAY, CA 93442-2823
Document Number0000057608
Map ReferenceMB3 PG4
Instrument DateDec 11, 2017
Instrument2017057608
Transaction TypeTransfer
Record UpdatedAug 24, 2022
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 BERNARDO AVE, MORRO BAY, CA 93442-2823

Mortgage

Document Number0000057609
DateDec 15, 2017
Instrument2017057609
Lender
NameSCHOOLSFIRST FCU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
MunicipalityMorro Bay City
Unified School DistrictSan Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$748,314 (+2%) Land $457,373 Building $290,941
2025$8,009.00 (+3.65%) Homeowner's exemption$733,642 (+4.04%) Land $448,405 Building $285,237
2023$7,727.00 (+6.71%) Homeowner's exemption$705,156 Land $430,994 Building $274,162
2022$7,241.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims9 (1978–2023)
Claims Outside the SFHA4 of 9
Most Recent ClaimJan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMORRO BAY PW DEPT - WATER DIVISION
serves 10,757 people · EPA ID CA4010011
Water SourcePurchased surface water from CHORRO VALLEY PIPELINE - SLO COUNTY
Last State InspectionDec 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 344 locations within half a mile, as of December 31, 2025

ProviderMax 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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