486 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 486 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,440 sqft · built 1987
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on File
Last Sale	$950,000 (Jan 2024)
Tax Bill	$10,680 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jul 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`066-194-015`

Property Details

APN / Parcel Number

Primary APN	`066-194-015`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	5,750 sqft (0.132 acres)

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	486 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 20
Legal Subdivision	MORRO HEIGHTS
Legal Block	22
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2027
Census Tract	10602

Owner

486 Bernardo Ave is owned by a company that bought it in January 2024.

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

Owner of Record	Company Name on File
Mailing Address	165 SIENNA ST, MORRO BAY, CA 93442-3161
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 25, 2022	Intrafamily Transfer, Transfer
Mar 30, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Mar 3, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2024 · Amount on File
Deed Sale	Jan 2, 2024 · Amount on File
Deed Document Number	202458
Prior Transfer Date	Nov 28, 1997
Prior Transfer Doc	0000068599
Record Updated	Oct 29, 2026

January 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 2, 2024
Property Address	486 BERNARDO AVE, MORRO BAY, CA 93442-2639
Document Number	0000000058
Map Reference	MB 3 PG 4
Instrument Date	Dec 13, 2023
Instrument	2024000058
Transaction Type	Transfer
Record Updated	Jan 10, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Family Trust
Address	165 SIENNA ST, MORRO BAY, CA 93442-3161

Mortgage

Document Number	0000000059
Date	Jan 2, 2024
Instrument	2024000059

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2054

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 25, 2022
Property Address	486 BERNARDO AVE, MORRO BAY, CA 93442-2639
Document Number	0000030422
Map Reference	MB 3 PG 4
Instrument Date	Jul 6, 2022
Instrument	2022030422
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	994 LASALLE ST, SUPERIOR, CO 80027-8185

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	486 BERNARDO AVE, MORRO BAY, CA 93442-2639
Transaction Type	Mortgage
Record Updated	Apr 8, 2022
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 BERNARDO AVE, MORRO BAY, CA 93442-2639

Mortgage

Document Number	0000014191
Date	Mar 30, 2022
Instrument	2022014191

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	574 Months
Due	Jan 18, 2070

Interest

Rate Type	Adjustable Rate
Rate	3.82%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2020
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.82%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 3, 2022
Property Address	486 BERNARDO AVE, MORRO BAY, CA 93442-2639
Document Number	0000009650
Map Reference	MB 3 PG 4
Instrument Date	Mar 1, 2022
Instrument	2022009650
Transaction Type	Transfer
Record Updated	Mar 14, 2022

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	994 LASALLE ST, SUPERIOR, CO 80027-8185

Tax Assessment & Valuation

The 2025 property tax bill for 486 Bernardo Ave was $10,680.

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		$988,380 (+2%) Land $572,220 Building $416,160
2025	$10,680.00	$969,000 Land $561,000 Building $408,000
2023	$1,632.00 (+6.81%) Homeowner's exemption	$154,511 Land $23,071 Building $131,440
2022	$1,528.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 486 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	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

Wildfire risk around 486 Bernardo Ave is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.08% 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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