San Luis Obispo County property record for 446 Kern Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,402 sqft · built 1959 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $755,000 (Apr 2005) |
| Tax Bill | $11,522 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-201-049 |
| Primary APN | 066-201-049 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,402 sqft Living Area |
| 1st Floor Area | 1,402 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Construction Type | Wood |
| Lot Area | 7,200 sqft (0.165 acres) |
| Terrain | Above Road/Slope |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 446 KERN AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 29 LT 10 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 29 |
| Legal Lot Number | 10 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 10602 |
446 Kern Ave is owned and occupied by an individual who acquired it in November 2021.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 KERN AVE, MORRO BAY, CA 93442-2614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2005 · Amount on File |
| Deed Sale | Apr 28, 2005 · Amount on File |
| Prior Sale | Apr 28, 2003 · Amount on File |
| Deed Document Number | 200533719 |
| Last Transfer Date | Nov 5, 2021 |
| Transfer Doc | 0000079579 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 3, 2021 |
| Property Address | 446 KERN AVE, MORRO BAY, CA 93442-2614 |
| Document Number | 0000079579 |
| Map Reference | MB 3 PG 4 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 2021079579 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 446 KERN AVE, MORRO BAY, CA 93442-2614 |
| Document Number | 0000079580 |
|---|---|
| Date | Dec 3, 2021 |
| Instrument | 2021079580 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 446 Kern Ave was $11,522 with a homeowner's exemption, up 1.7% from the year before.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Municipality | Morro Bay City |
| Unified School District | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,073,430 (+2%) Land $746,431 Building $326,999 | |
| 2025 | $11,522.00 (+1.74%) Homeowner's exemption | $1,052,384 Land $731,796 Building $320,588 |
| 2024 | $11,325.00 (+1.86%) | |
| 2023 | $11,118.00 (+9.67%) Homeowner's exemption | $1,011,521 Land $703,381 Building $308,140 |
| 2022 | $10,138.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 446 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 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 |
|
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 risk around 446 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 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.
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 |
| 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.
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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