453 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 453 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,519 sqft · built 1950
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on Record
Last Sale	$910,000 (Nov 2018)
Tax Bill	$11,111 (2025)
Deeds & Mortgages	Jul 2020 Transfer Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-193-008`

Property Details

APN / Parcel Number

Primary APN	`066-193-008`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,519 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Wood
Lot Area	5,750 sqft (0.132 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	453 BERNARDO AVE
City	MORRO BAY
State	CA
Zip	93442-2640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 23 LT 11
Legal Subdivision	MORRO HEIGHTS
Legal Block	23
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2028
Census Tract	10602

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	453 BERNARDO AVE, MORRO BAY, CA 93442-2640
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 9, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE
Jun 29, 2017	Grant Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2018 · Amount on Record
Deed Sale	Nov 9, 2018 · Amount on Record
Prior Sale	Jun 29, 2017 · Amount on Record
Deed Document Number	201846766
Last Transfer Date	Jul 22, 2020
Transfer Doc	0000038769
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 29, 2020
Property Address	453 BERNARDO AVE, MORRO BAY, CA 93442-2640
Document Number	0000038769
Instrument Date	Jul 22, 2020
Instrument	38769
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	ATTORNEY ONLY

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	453 BERNARDO AVE MORRO BAY CA 934422640, MORRO BAY, CA 93442-2640

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 9, 2018
Property Address	453 BERNARDO AVE, MORRO BAY, CA 93442-2640
Document Number	0000046766
Instrument Date	Oct 24, 2018
Instrument	46766
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,001.00
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	453 BERNARDO AVE MORRO BAY CA 934422640, MORRO BAY, CA 93442-2640

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 29, 2017
Property Address	453 BERNARDO AVE, MORRO BAY, CA 93442-2640
Document Number	0000028564
Instrument Date	Jun 19, 2017
Instrument	28564
Transaction Type	Transfer
Record Updated	Jul 11, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	325 SHASTA AVE MORRO BAY CA 934422735, MORRO BAY, CA 93442-2735

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		$1,035,418 (+2%) Land $523,398 Building $512,020
2025	$11,111.00 (+3.63%) Homeowner's exemption	$1,015,117 (+4.04%) Land $513,136 Building $501,981
2023	$10,722.00 (+6.71%) Homeowner's exemption	$975,701 Land $493,211 Building $482,490
2022	$10,048.00

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 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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