585 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 585 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 788 sqft · built 1952
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on File
Tax Bill	$1,835 (2025)
Deeds & Mortgages	Nov 2022 Transfer Nov 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`066-154-002`

Property Details

APN / Parcel Number

Primary APN	`066-154-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	788 sqft Living Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Wood
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 60 ft wide

Location & Zoning

Street Address	585 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 2
Legal Subdivision	MORRO HEIGHTS
Legal Block	18
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3022
Census Tract	10602

Owner

585 Bernardo Ave is owned by a company that acquired it in November 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	315 PINEY LN, MORRO BAY, CA 93442-2732
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE
Nov 16, 2022	Intrafamily Transfer, Transfer · Line of Credit SESLOC FCU
Jan 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 5, 2017	Quit Claim Deed ATTORNEY ONLY
Jan 17, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 10, 2022
Transfer Doc	0000045101
Record Updated	Sep 20, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 17, 2022
Property Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335
Document Number	0000045101
Map Reference	MB 3 PG 4
Instrument Date	Nov 10, 2022
Instrument	2022045101
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL TITLE

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
Relationship	Family Trust
Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 16, 2022
Property Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335
Document Number	0000044992
Map Reference	MB 3 PG 4
Instrument Date	Nov 10, 2022
Instrument	2022044992
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	FIDELITY NATIONAL TITLE

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
Relationship	Community Property
Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335

Mortgage

Document Number	0000044993
Date	Nov 16, 2022
Instrument	2022044993

Lender

Name	SESLOC FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 26, 2017
Property Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335
Document Number	0000004099
Instrument Date	Dec 22, 2016
Instrument	4099
Transaction Type	Transfer
Record Updated	Feb 15, 2017
Title Company	ATTORNEY ONLY

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	2308 ISLE ROYALE LN DAVIS CA 956166617, DAVIS, CA 95616-6617

July 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 5, 2017
Property Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335
Document Number	0000029490
Instrument Date	Dec 22, 2016
Instrument	29490
Record Updated	Jul 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2308 ISLE ROYALE LN DAVIS CA 956166617, DAVIS, CA 95616-6617

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 17, 2017
Property Address	585 BERNARDO AVE, MORRO BAY, CA 93442-2335
Document Number	0000002309
Instrument Date	Dec 22, 2016
Instrument	2309
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2308 ISLE ROYALE LN DAVIS CA 956166617, DAVIS, CA 95616-6617

Tax Assessment & Valuation

The 2025 property tax bill for 585 Bernardo Ave was $1,835.

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		$169,843 (+2%) Land $103,569 Building $66,274
2025	$1,835.00	$166,514 Land $101,539 Building $64,975
2023	$1,771.00 (+6.69%)	$160,050 Land $97,598 Building $62,452
2022	$1,660.00

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

Flood

FEMA maps place 585 Bernardo Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 585 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.

Nearby Properties on Bernardo Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures