322 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 322 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,176 sqft · built 1970
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Mar 2019)
Tax Bill	$11,603 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`066-236-013`

Property Details

APN / Parcel Number

Primary APN	`066-236-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,176 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	322 BERNARDO AVE
City	MORRO BAY
State	CA
Zip	93442-2824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 32 LT 13
Legal Subdivision	MORRO HEIGHTS
Legal Block	32
Legal Lot Number	13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2035
Census Tract	10602

Owner

322 Bernardo Ave is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	322 BERNARDO AVE, MORRO BAY, CA 93442-2824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2019 · Amount on File
Deed Sale	Mar 14, 2019 · Amount on File
Prior Sale	Apr 7, 2016 · Amount on File
Deed Document Number	20198784
Prior Transfer Date	Jul 21, 2013
Prior Transfer Doc	0000047006
Record Updated	Oct 29, 2026

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 14, 2019
Property Address	322 BERNARDO AVE, MORRO BAY, CA 93442-2824
Document Number	0000008784
Instrument Date	Feb 19, 2019
Instrument	8784
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 BERNARDO AVE MORRO BAY CA 934422824, MORRO BAY, CA 93442-2824

Mortgage

Document Number	8785
Date	Mar 14, 2019
Instrument	8785

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 322 Bernardo Ave was $11,603 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Municipality	Morro Bay City
Unified School District	San Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,080,931 (+2%) Land $597,357 Building $483,574
2025	$11,603.00 Homeowner's exemption	$1,059,738 Land $585,645 Building $474,093
2023	$11,197.00 (+6.71%) Homeowner's exemption	$1,018,589 Land $562,904 Building $455,685
2022	$10,493.00

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

Flood

FEMA maps place 322 Bernardo 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	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

Wildfire risk around 322 Bernardo Ave is low, with a 0.05% 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	0.05% annual chance
Exposure	Indirect 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 921 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
Ranch Wifi Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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