1232 Cosima Ln, Santa Maria, CA 93455 Property Records

Santa Barbara County property record for 1232 Cosima Ln, Santa Maria, CA 93455

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,707 sqft · built 2012
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on File
Last Sale	$691,500 (Oct 2019)
Tax Bill	$10,590 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`103-790-028`

Property Details

APN / Parcel Number

Primary APN	`103-790-028`
Alternative APN	`10379028`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,707 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Lot Area	11,761 sqft (0.27 acres)

Location & Zoning

Street Address	1232 COSIMA LN
City	ORCUTT
State	CA
Zip	93455-5156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PRD
Legal Subdivision	TRACT NO 14478
Legal Lot Number	28
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA MARIA
Census Block Group	3
Census Block	3023
Census Tract	2005

Owner

1232 Cosima Ln is owned by a company that acquired it in August 2022.

Source: Santa Barbara County records, as of July 8, 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	Company Name on File
Mailing Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 18, 2022	Intrafamily Transfer, Transfer
Oct 25, 2019	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 12, 2018	Quit Claim Deed, Transfer Quitclaim
Jan 2, 2018	Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Apr 28, 2017	Grant Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019 · Amount on File
Deed Sale	Oct 25, 2019 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Document Number	201948905
Last Transfer Date	Aug 17, 2022
Transfer Doc	0000036518
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156

Mortgage

Document Number	0000055404
Date	Jul 30, 2021
Instrument	2021-0055404

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA BARBARA CA
Recording Date	Aug 18, 2022
Property Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Document Number	0000036518
Map Reference	MB 201 PG 88-95
Instrument Date	Aug 17, 2022
Instrument	2022-0036518
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Oct 25, 2019
Property Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Document Number	0000048905
Map Reference	MB 201 PG 88-95
Instrument Date	Sep 9, 2019
Instrument	2019-0048905
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
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	1232 COSIMA LN, SANTA MARIA, CA 93455-5156

Mortgage

Document Number	0000048906
Date	Oct 25, 2019
Instrument	2019-0048906

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Jan 12, 2018
Property Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Document Number	0000001513
Instrument Date	Jan 12, 2018
Instrument	1513
Transaction Type	Transfer
Record Updated	Jan 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 COSIMA LN SANTA MARIA CA 934555156, SANTA MARIA, CA 93455-5156

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Jan 2, 2018
Property Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Document Number	0000000022
Instrument Date	Dec 18, 2017
Instrument	22
Transaction Type	Transfer
Record Updated	Jan 19, 2018
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1232 COSIMA LN SANTA MARIA CA 934555156, SANTA MARIA, CA 93455-5156

Mortgage

Document Number	23
Date	Jan 2, 2018
Instrument	23

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA BARBARA CA
Recording Date	Apr 28, 2017
Property Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156
Document Number	0000020174
Map Reference	MAP201 PG88-95
Instrument Date	Mar 22, 2017
Instrument	2017-0020174
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1232 COSIMA LN, SANTA MARIA, CA 93455-5156

Mortgage

Document Number	0000020175
Date	Apr 28, 2017
Instrument	2017-0020175

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1232 Cosima Ln was $10,590.

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Elementary School District	Orcutt Union Elementary School District (KG - 08)
Secondary School District	Santa Maria Joint Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$790,896 (+2%) Land $272,183 Building $518,713
2025	$10,590.00	$775,390 Land $266,847 Building $508,543
2023	$10,212.00 (+1.7%)	$745,283 Land $256,486 Building $488,797
2022	$10,041.00

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

Flood

FEMA maps place 1232 Cosima Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 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

Wildfire risk around 1232 Cosima Ln is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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	GOLDEN STATE WATER COMPANY - ORCUTT private · serves 34,267 people · EPA ID CA4210016
Water Source	Purchased surface water from CITY OF SANTA MARIA UTILITIES DEPARTMENT
Last State Inspection	Dec 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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

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