647 Bernardo Ave, Morro Bay, CA 93442 Property Records

San Luis Obispo County property record for 647 Bernardo Ave, Morro Bay, CA 93442

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,110 sqft · built 1994
Lot Size	0.132 acres (5,750 sqft)
Owner	Company Name on File
Last Sale	$620,000 (Oct 2012)
Tax Bill	$8,337 (2025)
Deeds & Mortgages	Jan 2020 Mortgage May 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`066-153-014`

Property Details

APN / Parcel Number

Primary APN	`066-153-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,110 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Lot Area	5,750 sqft (0.132 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	647 BERNARDO AVE
City	MORRO BAY
State	CA
Zip	93442-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY MB MORRO HTS BL 15 LT 5
Legal Subdivision	MORRO HEIGHTS
Legal Block	15
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	NORTH COAST
Census Block Group	3
Census Block	3019
Census Tract	10602

Owner

647 Bernardo Ave is owned by a company that acquired it in June 2019 and is owner-occupied.

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	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Mar 4, 2019	Quit Claim Deed, Transfer Quitclaim
Jan 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 6, 2018	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS
Jul 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2012 · Amount on File
Deed Sale	Oct 19, 2012 · Amount on File
Prior Sale	Apr 15, 2002 · Amount on File
Deed Document Number	201260597
Last Transfer Date	Jun 17, 2019
Transfer Doc	0000024658
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002089
Date	Jan 15, 2020
Instrument	2020002089

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Document Number	0000033770
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 BERNARDO AVE MORRO BAY CA 934422337, MORRO BAY, CA 93442-2337

Mortgage

Document Number	0000033770
Date	Jul 7, 2020
Instrument	33770

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 6, 2035

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 26, 2019
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Document Number	0000024658
Instrument Date	Jun 17, 2019
Instrument	24658
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	TSI ESCROW - CERRITOS

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	647 BERNARDO AVE MORRO BAY CA 934422337, MORRO BAY, CA 93442-2337

Mortgage

Document Number	24659
Date	Jun 26, 2019
Instrument	24659

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 25, 2034

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 4, 2019
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Document Number	0000007456
Instrument Date	Mar 4, 2019
Instrument	7456
Transaction Type	Transfer
Record Updated	Mar 13, 2019

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	647 BERNARDO AVE MORRO BAY CA 934422337, MORRO BAY, CA 93442-2337

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Document Number	0000001829
Instrument Date	Jan 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 26, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	647 BERNARDO AVE MORRO BAY CA 934422337, MORRO BAY, CA 93442-2337

Mortgage

Document Number	0000001829
Date	Jan 17, 2018
Instrument	1829

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Document Number	0000001830
Instrument Date	Jan 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	647 BERNARDO AVE MORRO BAY CA 934422337, MORRO BAY, CA 93442-2337

Mortgage

Document Number	0000001830
Date	Jan 17, 2018
Instrument	1830

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	647 BERNARDO AVE, MORRO BAY, CA 93442-2337
Document Number	0000033465
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 9, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14020 OLD HARBOR LN MARINA DEL REY CA 902927502, MARINA DEL REY, CA 90292-7502

Mortgage

Document Number	0000033465
Date	Jul 28, 2017
Instrument	33465

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 647 Bernardo Ave was $8,337 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		$778,740 (+2%) Land $376,811 Building $401,929
2025	$8,337.00 Homeowner's exemption	$763,472 Land $369,423 Building $394,049
2023	$8,045.00 (+6.71%) Homeowner's exemption	$733,828 Land $355,079 Building $378,749
2022	$7,539.00

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

Flood

FEMA maps place 647 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 647 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.

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