495 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 495 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,890 sqft · built 1948
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on File
Last Sale	$206,000 (Mar 1997)
Tax Bill	$3,620 (2025)
Deeds & Mortgages	Aug 2023 Reverse Mortgage Apr 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`066-193-001`

Property Details

APN / Parcel Number

Primary APN	`066-193-001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Wood
Lot Area	5,750 sqft (0.132 acres)
Terrain	Below Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	495 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 1
Legal Subdivision	MORRO HEIGHTS
Legal Block	23
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	2
Census Block	2028
Census Tract	10602

Owner

495 Bernardo Ave is owned by a company that acquired it in March 2018 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 1263, MORRO BAY, CA 93443-1263
Occupancy	Owner Occupied
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
Aug 25, 2023	Deed of Trust, Mortgage · Reverse Mortgage CENTRAL COAST LENDING INC
Apr 3, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 24, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 1997 · Amount on File
Deed Sale	Mar 14, 1997 · Amount on File
Prior Sale	Jan 31, 1996 · Amount on File
Deed Document Number	199712643
Last Transfer Date	Mar 20, 2018
Transfer Doc	0000013277
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	495 BERNARDO AVE, MORRO BAY, CA 93442-2640
Transaction Type	Mortgage
Record Updated	Sep 8, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 BERNANDO AVE, MORRO BAY, CA 93442-2640

Mortgage

Document Number	0000025242
Date	Aug 25, 2023
Instrument	2023025242

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	884 Months
Due	Mar 31, 2097

Interest

Rate Type	Adjustable Rate
Rate	8.34%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	13.3%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 3, 2018
Property Address	495 BERNARDO AVE, MORRO BAY, CA 93442-2640
Document Number	0000013277
Instrument Date	Mar 20, 2018
Instrument	13277
Transaction Type	Transfer
Record Updated	Apr 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 1263 MORRO BAY CA 934431263, MORRO BAY, CA 93443-1263

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 24, 2017
Property Address	495 BERNARDO AVE, MORRO BAY, CA 93442-2640
Document Number	0000048772
Instrument Date	Oct 17, 2017
Instrument	48772
Transaction Type	Transfer
Record Updated	Nov 2, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 1263 MORRO BAY CA 934431263, MORRO BAY, CA 93443-1263

Tax Assessment & Valuation

The 2025 property tax bill for 495 Bernardo Ave was $3,620 with a homeowner's exemption.

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		$342,179 (+2%) Land $174,411 Building $167,768
2025	$3,620.00 Homeowner's exemption	$335,471 Land $170,992 Building $164,479
2023	$3,491.00 (+6.73%) Homeowner's exemption	$322,446 Land $164,353 Building $158,093
2022	$3,271.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 495 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 495 Bernardo Ave is low, with a 0.02% annual chance of 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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