11127 Cebada Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 11127 Cebada Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,520 sqft · built 1987
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Trust Names on File
Last Sale	$935,000 (May 2026)
Tax Bill	$3,297 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`050-271-033`

Property Details

APN / Parcel Number

Primary APN	`050-271-033`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
1st Floor Area	1,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	187,308 sqft
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11127 CEBADA RD
City	ATASCADERO
State	CA
Zip	93422-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS PM 45-84 PAR 2
Legal Subdivision	PARCEL MAP AT-88-134
Legal Block	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	2
Census Block	2018
Census Tract	12706

Owner

11127 Cebada Rd is owner-occupied and held in a trust since May 2026.

Source: San Luis Obispo County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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 26, 2026	Grant Deed, Transfer · Conventional Mortgage VIP INDEPENDENT MORTGAGE
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC SVC CU
Feb 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC SVC EMPS CU
Feb 6, 2018	Loan Modification, Mortgage · Conventional Mortgage PACIFIC SVC EMPS CU
Apr 14, 2017	Deed of Trust, Mortgage · Line of Credit PACIFIC SVC EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Prior Sale	Mar 27, 1996 · Amount on File
Deed Document Number	202616260
Prior Transfer Date	Mar 22, 2004
Prior Transfer Doc	0000078431
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 26, 2026
Property Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Document Number	0000016260
Instrument Date	May 13, 2026
Instrument	202616260
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	E-PLACER TITLE, PLACER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,878.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016261,
Date	May 26, 2026
Instrument	202616261

Lender

Name	VIP INDEPENDENT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Document Number	0000020998
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 13, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SANTA ANA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	11127 CEBADA RD ATASCADERO CA 934221120, ATASCADERO, CA 93422-1120

Mortgage

Document Number	0000020998
Date	Apr 30, 2020
Instrument	20998

Lender

Name	PACIFIC SVC CU
Address	CONCORD, CA 94519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 29, 2035

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Document Number	0000005520
Instrument Date	Feb 7, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11127 CEBADA RD ATASCADERO CA 934221120, ATASCADERO, CA 93422-1120

Mortgage

Document Number	0000005520
Date	Feb 13, 2018
Instrument	5520

Lender

Name	PACIFIC SVC EMPS CU
Type	Credit Union
Address	CONCORD, CA 94519

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 12, 2033

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Document Number	0000005518
Instrument Date	Feb 6, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	0000005518
Date	Feb 13, 2018
Instrument	5518

Lender

Name	PACIFIC SVC EMPS CU
Type	Credit Union
Address	WALNUT CREEK, CA 94598

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11127 CEBADA RD, ATASCADERO, CA 93422-1120
Document Number	0000019280
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	11127 CEBADA RD ATASCADERO CA 934221120, ATASCADERO, CA 93422-1120

Mortgage

Document Number	0000019280
Date	May 3, 2017
Instrument	19280

Lender

Name	PACIFIC SVC EMPS CU
Type	Credit Union
Address	CONCORD, CA 94519

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 2, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 11127 Cebada Rd was $3,297.

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		$301,579 (+2%) Land $152,487 Building $149,092
2025	$3,297.00	$295,667 Land $149,498 Building $146,169
2023	$3,140.00 (+1.32%) Homeowner's exemption	$284,188 Land $143,694 Building $140,494
2022	$3,099.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 11127 Cebada Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 11127 Cebada Rd is high, ranking above 79% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 79% of the US · above 56% of California
Wildfire Likelihood	0.5% 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	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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: AT&T, Ranch Wifi, Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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