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401 Kern Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 401 Kern Ave, Morro Bay, CA 93442

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 2,322 sqft · built 1957
Lot Size0.138 acres (6,000 sqft)
Owner2 Individual Names on File
Last Sale$700,000 (Sep 2020)
Tax Bill$4,746 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN066-235-004

Property Details

APN / Parcel Number

Primary APN066-235-004

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,322 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1957
Architectural StyleContemporary
Exterior MaterialWood Siding
Construction TypeWood
Roof MaterialWood Shingle
Lot Area6,000 sqft (0.138 acres)
Lot Dimensions120 ft deep x 50 ft wide
TerrainBelow Road/Slope
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Street Address401 KERN AVE
CityMORRO BAY
StateCA
Zip93442-2613
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCY MB MORRO HTS BL 28 LT 6
Legal SubdivisionMORRO HEIGHTS
Legal Block28
Legal Lot Number6
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group2
Census Block2033
Census Tract10602

Owner

401 Kern Ave is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record2 Individual Names on File
Mailing Address401 KERN AVE, MORRO BAY, CA 93442-2613
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint 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 Names2 Names on Deed
Last SaleSep 21, 2020 · Amount on File
Deed SaleSep 21, 2020 · Amount on File
Prior SaleSep 4, 1997 · Amount on File
Deed Document Number202051519
Prior Transfer DateJan 3, 1994
Prior Transfer Doc0000003008
Record UpdatedOct 29, 2026

September 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateSep 21, 2020
Property Address401 KERN AVE, MORRO BAY, CA 93442-2613
Document Number0000051519
Instrument DateJun 2, 2020
Instrument51519
Transaction TypeTransfer
Record UpdatedOct 5, 2020
Title CompanyPLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$770.00
Amount AccuracyFull Value
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address401 KERN AVE MORRO BAY CA 934422613, MORRO BAY, CA 93442-2613

Mortgage

Document Number51520
DateSep 21, 2020
Instrument51520
Lender
NameJOSEPH M & BONNIE C NEWTON
AddressPO BOX 12500, BAKERSFIELD, CA 93389-2500
Special NotesSeller Financed
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 401 Kern Ave was $4,746 with a homeowner's exemption.

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$544,990 (+24.52%) Land $179,137 Building $365,853
2025$4,746.00 Homeowner's exemption$437,668 Land $175,625 Building $262,043
2023$8,332.00 (+9.67%) Homeowner's exemption$759,780 Land $416,160 Building $343,620
2022$7,597.00

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

Flood

FEMA maps place 401 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 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

Wildfire risk around 401 Kern 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 RiskLow
lower than 63% of the US · lower than 78% of California
Wildfire Likelihood0.05% 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 921 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
Ranch Wifi
Fixed Wireless		100 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Verizon.

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