San Luis Obispo County property record for 490 Bernardo Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,916 sqft |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | Company Name on File |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-194-024 |
| Primary APN | 066-194-024 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,916 sqft Living Area |
| Construction Type | Wood |
|---|---|
| Lot Area | 5,750 sqft (0.132 acres) |
| Street Address | 490 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 21 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 22 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 10602 |
490 Bernardo Ave, a single family home, is owned by a company.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1201 PALM ST, SAN LUIS OBISPO, CA 93401-3192 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Oct 12, 2017 |
| Property Address | 490 BERNARDO AVE, MORRO BAY, CA 93442-2639 |
| Instrument Date | Oct 1, 2017 |
| Instrument | 46668 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2017 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 800 QUINTANA RD #2C MORRO BAY CA 934422300, 2C, MORRO BAY, CA 93442-2300 |
| Document Number | 0000046668 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 46668 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | 2111 PALOMAR AIRPORT RD # 320, CARLSBAD, CA 92011-1421 |
| Amount | Amount on Record |
|---|
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 | Assessed Value |
|---|---|
| 2026 | $287,068 Land $117,120 Building $169,948 |
| 2023 | $274,596 Land $110,366 Building $164,230 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 490 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 490 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.
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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