San Luis Obispo County property record for 515 Bernardo Ave, Morro Bay, CA 93442
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,922 sqft · built 2025 |
| Lot Size | 0.132 acres (5,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $533,000 (Dec 2014) |
| Tax Bill | $5,020 (2025) |
| Deeds & Mortgages | Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 066-154-023 |
| Primary APN | 066-154-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,922 sqft Living Area |
| 1st Floor Area | 668 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Construction Type | Wood |
| Lot Area | 5,750 sqft (0.132 acres) |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 515 BERNARDO AVE |
|---|---|
| City | MORRO BAY |
| State | CA |
| Zip | 93442-2335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CY MB MORRO HTS BL 18 LT 9 |
| Legal Subdivision | MORRO HEIGHTS |
| Legal Block | 18 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | NORTH COAST |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 10602 |
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 515 BERNARDO AVE, MORRO BAY, CA 93442-2335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 2014 · Amount on Record |
| Deed Sale | Dec 31, 2014 · Amount on Record |
| Deed Document Number | 201455386 |
| Last Transfer Date | Mar 6, 2025 |
| Transfer Doc | 0000006199 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jan 14, 2022 |
| Property Address | 515 BERNARDO AVE, MORRO BAY, CA 93442-2335 |
| Document Number | 0000002289 |
| Map Reference | MB 3 PG 4 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022002289 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 BERNARDO AVE, MORRO BAY, CA 93442-2335 |
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 | $464,603 (+2%) Land $275,820 Building $188,783 | |
| 2025 | $5,020.00 (+71.33%) | $455,494 (+75.25%) Land $270,412 Building $185,082 |
| 2024 | $2,930.00 (+1.88%) | |
| 2023 | $2,876.00 | $259,912 Land $259,912 |
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.
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 | 6 in force |
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.
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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