11770 Cenegal Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 11770 Cenegal Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,524 sqft · built 1987
Lot Size	4.76 acres (207,345 sqft)
Owner	Individual Name on Record
Last Sale	$1,275,000 (Feb 2025)
Tax Bill	$9,215 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit May 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055-031-037`

Property Details

APN / Parcel Number

Primary APN	`055-031-037`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,524 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Construction Type	Wood
Lot Area	207,345 sqft (4.76 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	11770 CENEGAL RD
City	ATASCADERO
State	CA
Zip	93422-1752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS PM 34/83 PAR 1
Legal Subdivision	PARCEL MAP AT-83-005
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	3
Census Block	3003
Census Tract	12706

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 280309, NORTHRIDGE, CA 91328-0309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
May 13, 2021	Deed of Trust, Mortgage · Line of Credit PREMIER VALLEY BANK
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 18, 2018	Deed of Trust, Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Oct 5, 2012 · Amount on Record
Deed Document Number	2025005546
Record Updated	Jun 7, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752

Mortgage

Document Number	0000005263
Date	Feb 27, 2023
Instrument	2023005263

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752

Mortgage

Document Number	0000036002
Date	May 13, 2021
Instrument	2021036002

Lender

Name	PREMIER VALLEY BANK
Type	Bank
Address	PASO ROBLES, CA 93446

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752

Mortgage

Document Number	0000020138
Date	Mar 16, 2021
Instrument	2021020138

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	11770 CENEGAL RD, ATASCADERO, CA 93422-1752
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038536
Date	Sep 18, 2018
Instrument	2018038536

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 10, 2048

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$9,215.00 (+4.25%) Homeowner's exemption	$813,807 (+3.38%) Land $332,481 Building $481,326
2023	$8,839.00 (+1.53%) Homeowner's exemption	$787,237 Land $319,571 Building $467,666
2022	$8,706.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (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 · 2 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

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

Wildfire Risk	High above 80% of the US · above 57% of California
Wildfire Likelihood	0.6% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

Cell Coverage

5G (outdoors only) and 4G LTE

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