10610 W Front Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 10610 W Front Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,322 sqft · built 2001
Lot Size	2.95 acres (128,502 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Apr 2001)
Tax Bill	$5,427 (2025)
Deeds & Mortgages	Apr 2023 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-353-009`

Property Details

APN / Parcel Number

Primary APN	`045-353-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,322 sqft Living Area
1st Floor Area	2,322 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	128,502 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10610 W FRONT RD
City	ATASCADERO
State	CA
Zip	93422-5422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS PM 54-57 PAR 4
Legal Subdivision	PARCEL MAP AT 99-190
Legal Block	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1015
Census Tract	12601

Owner

10610 W Front Rd is owned and occupied by two individuals who acquired it in December 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COASTHILLS CU
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2001 · Amount on File
Deed Sale	Apr 30, 2001 · Amount on File
Deed Document Number	200129158
Last Transfer Date	Dec 10, 2012
Transfer Doc	0000073605
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422
Transaction Type	Mortgage
Record Updated	May 8, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422

Mortgage

Document Number	0000011453
Date	Apr 27, 2023
Instrument	2023011453

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422

Mortgage

Document Number	0000055364
Date	Aug 6, 2021
Instrument	2021055364

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10610 W FRONT RD, ATASCADERO, CA 93422-5422

Mortgage

Document Number	0000071163
Date	Dec 3, 2020
Instrument	2020071163

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 10610 W Front Rd was $5,427 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Atascadero City
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$491,812 (+2%) Land $184,425 Building $307,387
2025	$5,427.00 Homeowner's exemption	$482,169 Land $180,809 Building $301,360
2023	$5,171.00 (+1.29%) Homeowner's exemption	$463,447 Land $173,789 Building $289,658
2022	$5,105.00

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

Flood

FEMA maps place 10610 W Front Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2023.

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	6 in force
Nearby Flood Claims	3 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 3 claims

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 10610 W Front Rd is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 40% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
Ranch Wifi Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, GeoLinks.

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