1095 Indian Dune Rd, San Miguel, CA 93451 Property Records

San Luis Obispo County property record for 1095 Indian Dune Rd, San Miguel, CA 93451

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,932 sqft · built 1992
Lot Size	16.8 acres (735,293 sqft)
Owner	2 Individual Names on File
Last Sale	$695,000 (Oct 2005)
Tax Bill	$7,472 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`027-051-009`

Property Details

APN / Parcel Number

Primary APN	`027-051-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	1,932 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Lot Area	735,293 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1095 INDIAN DUNE RD
City	SAN MIGUEL
State	CA
Zip	93451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	AMS LTFT TR LT 19
Legal Subdivision	AMES & LIGHTFOOT
Legal Block	3
Legal Lot Number	19
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	3
Census Block	3001
Census Tract	10016

Owner

1095 Indian Dune Rd is owned by two individuals who bought it in October 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 670, PASO ROBLES, CA 93447-0670
Owner Type	Individual
Vesting	Community Property

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
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARKSIDE LNDG
Aug 29, 2017	Grant Deed, Transfer · Conventional Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2005 · Amount on File
Deed Sale	Oct 14, 2005 · Amount on File
Prior Sale	Sep 11, 2000 · Amount on File
Deed Document Number	200586310
Prior Transfer Date	Jul 8, 2004
Prior Transfer Doc	0000066444
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1095 INDIAN DUNE RD, SAN MIGUEL, CA 93451
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 INDIAN DUNE RD, SAN MIGUEL, CA 93451

Mortgage

Document Number	0000033951
Date	May 6, 2021
Instrument	2021033951

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1095 INDIAN DUNE RD, SAN MIGUEL, CA 93451
Document Number	0000010299
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1095 INDIAN DUNE RD SAN MIGUEL CA 93451, SAN MIGUEL, CA 93451

Mortgage

Document Number	0000010299
Date	Mar 3, 2020
Instrument	10299

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 2, 2040

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 29, 2017
Property Address	1095 INDIAN DUNE RD, SAN MIGUEL, CA 93451
Document Number	0000038514
Map Reference	MAP2 PG51
Instrument Date	Jul 27, 2017
Instrument	2017038514
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1095 INDIAN DUNE RD, SAN MIGUEL, CA 93451

Mortgage

Document Number	0000038515
Date	Aug 29, 2017
Instrument	2017038515

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Indian Dune Rd was $7,472.

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Elementary School District	San Miguel Joint Union Elementary School District (KG - 08)
Secondary School District	Paso Robles Joint Unified School District (9-12) (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$702,147 (+2%) Land $324,960 Building $377,187
2025	$7,472.00	$688,381 Land $318,589 Building $369,792
2023	$7,025.00 (-2.24%)	$661,653 Land $306,219 Building $355,434
2022	$7,186.00

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

Flood

FEMA maps place 1095 Indian Dune Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1095 Indian Dune Rd is moderate, ranking above 66% 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 66% of the US · above 41% of California
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: Surfnet Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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