San Luis Obispo County property record for 478 Bernardo Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 930 sqft · built 1952 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Company Name on File |
| Last Sale | $173,500 (Jan 1998) |
| Tax Bill | $3,053 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-194-019 |
| Primary APN | 066-194-019 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 930 sqft Living Area |
| 1st Floor Area | 930 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Wood |
| Lot Area | 5,750 sqft (0.132 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 478 BERNARDO AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 22 LT 18 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 22 |
| Legal Lot Number | 18 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 10602 |
478 Bernardo Ave is owned by a company that bought it in January 1998.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 16515 MORRO RD, ATASCADERO, CA 93422-1018 |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 | Jan 30, 1998 · Amount on File |
| Deed Sale | Jan 30, 1998 · Amount on File |
| Prior Sale | Sep 16, 1994 · Amount on File |
| Deed Document Number | 19984984 |
| Prior Transfer Date | May 3, 1994 |
| Prior Transfer Doc | 0000035325 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 478 Bernardo Ave was $3,053.
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 | $282,543 (+2%) Land $195,426 Building $87,117 | |
| 2025 | $3,053.00 | $277,004 Land $191,595 Building $85,409 |
| 2023 | $2,947.00 (+6.7%) | $266,250 Land $184,156 Building $82,094 |
| 2022 | $2,762.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 478 Bernardo 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 478 Bernardo 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures