429 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 429 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 955 sqft · built 1936
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Tax Bill	$2,380 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-231-020`

Property Details

APN / Parcel Number

Primary APN	`066-231-020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	955 sqft Living Area
1st Floor Area	955 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	429 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 5
Legal Subdivision	MORRO HEIGHTS
Legal Block	26
Legal Lot Number	5
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	PO BOX 1774, MORRO BAY, CA 93443-1774
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Intrafamily Transfer, Transfer WFG TITLE STHRN CA, WFG TITLE SOUTHERN CALIFORNI
Jul 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE TURNKEY FOUNDATION INC
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
May 11, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FREMONT BANK
May 11, 2020	Quit Claim Deed, Transfer WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 14, 2021
Transfer Doc	0000049921
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 16, 2021
Property Address	429 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000049921
Map Reference	MB 3 PG 4
Instrument Date	Jul 14, 2021
Instrument	2021049921
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	WFG TITLE STHRN CA, WFG TITLE SOUTHERN CALIFORNI

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	Tenants in Common
Address	PO BOX 1774, MORRO BAY, CA 93443-1774

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 16, 2021
Property Address	429 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000049919
Map Reference	MB 3 PG 4
Instrument Date	Jul 10, 2021
Instrument	2021049919
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS 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	PO BOX 1774, MORRO BAY, CA 93443-1774

Mortgage

Document Number	0000049920
Date	Jul 16, 2021
Instrument	2021049920

Lender

Name	THE TURNKEY FOUNDATION INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	429 BERNARDO AVE, MORRO BAY, CA 93442-2630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK PITTSBURGH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029963
Date	Jun 18, 2020
Instrument	2020029963

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2050

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 11, 2020
Property Address	429 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000022559
Map Reference	MB 3 PG 4
Instrument Date	May 4, 2020
Instrument	2020022559
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	WFG NATIONAL TITLE INS 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
Address	429 BERNARDO AVE, MORRO BAY, CA 93442-2630

Mortgage

Document Number	0000022560
Date	May 11, 2020
Instrument	2020022560

Lender

Name	FREMONT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 11, 2020
Property Address	429 BERNARDO AVE, MORRO BAY, CA 93442-2630
Document Number	0000022561
Instrument Date	May 4, 2020
Instrument	22561
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	WFG NATIONAL TITLE INSURANCE, WFG NAT'L TITLE INS

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	429 BERNARDO AVE MORRO BAY CA 934422630, MORRO BAY, CA 93442-2630

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		$227,478 (+2%) Land $82,623 Building $144,855
2025	$2,380.00 (+29.56%) Homeowner's exemption	$223,018 (+28.89%) Land $81,003 Building $142,015
2023	$1,837.00 (+6.74%) Homeowner's exemption	$173,029 Land $77,858 Building $95,171
2022	$1,721.00

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 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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