1040 Cielo Ln, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 1040 Cielo Ln, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 1963
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Mar 2019)
Tax Bill	$5,520 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`092-424-002`

Property Details

APN / Parcel Number

Primary APN	`092-424-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
1st Floor Area	1,780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Wood
Lot Area	43,996 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1040 CIELO LN
City	NIPOMO
State	CA
Zip	93444-9039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	TR 275 BL 4 LT 2
Legal Subdivision	TRACT 275
Legal Tract	275
Legal Block	4
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2008
Census Tract	12405

Owner

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	2 Individual Names on Record
Mailing Address	1040 CIELO LN, NIPOMO, CA 93444-9039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SESLOC FCU
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage CORNERSTONE HOME LENDING INC
Nov 27, 2019	Deed of Trust, Mortgage · VA Mortgage CORNERSTONE HM LNDG
Mar 8, 2019	Grant Deed, Transfer · VA Mortgage CORNERSTONE HM LNDG
Feb 4, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2019 · Amount on Record
Deed Sale	Mar 8, 2019 · Amount on Record
Deed Document Number	20197938
Prior Transfer Date	Jan 17, 2014
Prior Transfer Doc	0000006635
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1040 CIELO LN, NIPOMO, CA 93444-9039
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	PLACER TITLE COMPANY, PLACER TITLE COMPANY ORCUT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 CIELO LN, NIPOMO, CA 93444-9039

Mortgage

Document Number	0000005203
Date	Feb 23, 2026
Instrument	2026005203

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1040 CIELO LN, NIPOMO, CA 93444-9039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 CIELO LN, NIPOMO, CA 93444-9039

Mortgage

Document Number	0000058280
Date	Oct 16, 2020
Instrument	2020058280

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1040 CIELO LN, NIPOMO, CA 93444-9039
Document Number	0000054185
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1040 CIELO LN NIPOMO CA 934449039, NIPOMO, CA 93444-9039

Mortgage

Document Number	0000054185
Date	Dec 4, 2019
Instrument	54185

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2049

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 8, 2019
Property Address	1040 CIELO LN, NIPOMO, CA 93444-9039
Document Number	0000007938
Instrument Date	Feb 27, 2019
Instrument	7938
Transaction Type	Transfer
Record Updated	Mar 19, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$511.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1040 CIELO LN NIPOMO CA 934449039, NIPOMO, CA 93444-9039

Mortgage

Document Number	7939
Date	Mar 8, 2019
Instrument	7939

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2049

February 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 4, 2019
Property Address	1040 CIELO LN, NIPOMO, CA 93444-9039
Document Number	0000003958
Instrument Date	Dec 31, 2018
Instrument	3958
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1040 CIELO LN NIPOMO CA 934449039, NIPOMO, CA 93444-9039

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$529,083 (+2%) Land $278,763 Building $250,320
2025	$5,520.00 (+4.66%)	$518,710 (+4.04%) Land $273,298 Building $245,412
2023	$5,274.00 (+1.54%)	$498,570 Land $262,687 Building $235,883
2022	$5,194.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	GOLDEN STATE WATER COMPANY - NIPOMO private · serves 4,512 people · EPA ID CA4010018
Water Source	Purchased surface water from NIPOMO COMM SERVICES DIST
Last State Inspection	Sep 2023
Lead	5 ppb (2021–2023) 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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Peak WiFi, Ranch Wifi.

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