635 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 635 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,244 sqft · built 1937
Lot Size0.189 acres (8,250 sqft)
OwnerCompany Name on Record
Last Sale$415,000 (Dec 2011)
Tax Bill$5,745 (2025)
Flood ZoneZone X (minimal risk)
APN066-153-023

Property Details

APN / Parcel Number

Primary APN066-153-023

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms9 Rooms
Stories2 Stories
Building Area2,244 sqft Living Area
1st Floor Area576 sqft

Exterior

Year BuiltBuilt 1937
Effective Year BuiltEffective 1937
Construction TypeWood
Lot Area8,250 sqft (0.189 acres)
Parking Spaces2 Parking Spaces
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address635 BERNARDO AVE, 1/2/2026
CityMORRO BAY
StateCA
Zip93442-2337
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionCY MB MORRO HTS BL 15 LT 6 & PTN LT 7
Legal SubdivisionMORRO HEIGHTS
Legal Block15
Legal Lot Number6,7
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionNORTH COAST
Census Block Group3
Census Block3019
Census Tract10602

Owner

Source: San Luis Obispo County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address5901 TELLEFSON RD, CULVER CITY, CA 90230-5472
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 30, 2011 · Amount on Record
Deed SaleDec 30, 2011 · Amount on Record
Prior SaleJul 15, 2005 · Amount on Record
Deed Document Number201166606
Prior Transfer DateMay 25, 1995
Prior Transfer Doc0000021980
Record UpdatedOct 29, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
MunicipalityMorro Bay City
Unified School DistrictSan Luis Coastal Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$531,673 (+2%) Land $288,258 Building $243,415
2025$5,745.00 (+3.61%)$521,249 (+4.04%) Land $282,606 Building $238,643
2023$5,545.00 (+6.7%)$501,010 Land $271,633 Building $229,377
2022$5,197.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 22, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies6 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

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

Wildfire RiskModerate
above 44% of the US · lower than 74% of California
Wildfire Likelihood0.08% annual chance
ExposureIndirect
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 SystemMORRO BAY PW DEPT - WATER DIVISION
serves 10,757 people · EPA ID CA4010011
Water SourcePurchased surface water from CHORRO VALLEY PIPELINE - SLO COUNTY
Last State InspectionDec 2025
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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