421 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 421 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,540 sqft · built 1973
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$1,250,000 (Jan 2022)
Tax Bill	$13,503 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`066-231-005`

Property Details

APN / Parcel Number

Primary APN	`066-231-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
1st Floor Area	1,540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	421 BERNARDO AVE
City	MORRO BAY
State	CA
Zip	93442-2630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 26 LT 7
Legal Subdivision	MORRO HEIGHTS
Legal Block	26
Legal Lot Number	7
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2031
Census Tract	10602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Intrafamily Transfer, Transfer
Mar 12, 2024	Intrafamily Transfer, Transfer
Jan 14, 2022	Grant Deed, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Oct 28, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SESLOC FCU
Oct 29, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Feb 23, 2017	Deed of Trust, Mortgage · Line of Credit NORTHROP GRUMMAN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Oct 28, 2009 · Amount on Record
Deed Document Number	20222126
Last Transfer Date	Mar 7, 2024
Transfer Doc	0000006528
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 12, 2024
Property Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000006527
Map Reference	MB 3 PG 4
Instrument Date	Mar 7, 2024
Instrument	2024006527
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 12, 2024
Property Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000006528
Map Reference	MB 3 PG 4
Instrument Date	Mar 7, 2024
Instrument	2024006528
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630

January 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 14, 2022
Property Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000002126
Map Reference	MB 3 PG 4
Instrument Date	Nov 19, 2021
Instrument	2022002126
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630

Mortgage

Document Number	0000002127
Date	Jan 14, 2022
Instrument	2022002127

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	872 Months
Due	Sep 4, 2094

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 28, 2019
Property Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000047616
Map Reference	MB 3 PG 4
Instrument Date	Sep 27, 2019
Instrument	2019047616
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630

Mortgage

Document Number	0000047617
Date	Oct 28, 2019
Instrument	2019047617

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	3.87%
Index	11th District COF
Max Rate	7.87%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 29, 2019
Property Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000047877
Instrument Date	Sep 27, 2019
Instrument	47877
Transaction Type	Transfer
Record Updated	Nov 8, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	421 BERNARDO AVE MORRO BAY CA 934422630, MORRO BAY, CA 93442-2630

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	421 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000009470
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 20, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE OFS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	421 BERNARDO AVE MORRO BAY CA 934422630, MORRO BAY, CA 93442-2630

Mortgage

Document Number	0000009470
Date	Mar 1, 2017
Instrument	9470

Lender

Name	NORTHROP GRUMMAN FCU
Type	Credit Union
Address	GARDENA, CA 90248

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 29, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$1,256,802 (+2%) Land $987,690 Building $269,112
2025	$13,503.00 (+1.73%) Homeowner's exemption	$1,232,160 (+4.04%) Land $968,324 Building $263,836
2024	$13,273.00 (+1.86%)
2023	$13,031.00 (+96.1%) Homeowner's exemption	$1,184,316 Land $930,724 Building $253,592
2022	$6,645.00

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% 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 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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