San Luis Obispo County property record for 1305 21st St, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1977 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Company Name on File |
| Last Sale | $145,000 (Oct 1998) |
| Tax Bill | $2,683 (2025) |
| Deeds & Mortgages | Dec 2022 Transfer Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-261-001 |
| Primary APN | 062-261-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood |
| Lot Area | 5,500 sqft (0.126 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1305 21ST ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TR 556 LT 1 |
| Legal Subdivision | SANDPOINTE TERRACE |
| Legal Tract | 556 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 12202 |
1305 21st St is owned by a company that acquired it in April 2002 and is owner-occupied.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1305 21ST ST, OCEANO, CA 93445-9202 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 20, 2022 | Intrafamily Transfer, Transfer |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC |
| May 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 1998 · Amount on File |
| Deed Sale | Oct 23, 1998 · Amount on File |
| Deed Document Number | 199870097 |
| Last Transfer Date | Apr 29, 2002 |
| Transfer Doc | 0000039650 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 20, 2022 |
| Property Address | 1305 21ST ST, OCEANO, CA 93445-9202 |
| Document Number | 0000048755 |
| Map Reference | MB 9 PG 14 |
| Instrument Date | Dec 15, 2022 |
| Instrument | 2022048755 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1305 21ST ST, OCEANO, CA 93445-9202 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1305 21ST ST, OCEANO, CA 93445-9202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 1305 21ST ST, OCEANO, CA 93445-9202 |
| Document Number | 0000072980 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 2020072980 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1305 21ST ST, OCEANO, CA 93445-9202 |
| Document Number | 0000025642 |
| Instrument Date | May 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2020 |
| Title Company | WFG TITLE COMPANY/CA, WFG TITLE CO/CA |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1305 21ST ST OCEANO CA 934459202, OCEANO, CA 93445-9202 |
| Document Number | 0000025642 |
|---|---|
| Date | May 27, 2020 |
| Instrument | 25642 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Address | FOUNTAIN VALLEY, CA 92708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 26, 2050 |
The 2025 property tax bill for 1305 21st St was $2,683 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Lucia Mar Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $231,836 (+2%) Land $95,929 Building $135,907 | |
| 2025 | $2,683.00 Homeowner's exemption | $227,292 Land $94,049 Building $133,243 |
| 2023 | $2,557.00 (+1.39%) Homeowner's exemption | $218,468 Land $90,398 Building $128,070 |
| 2022 | $2,522.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1305 21st St in Zone X, an area of minimal flood risk.
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 | 1 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.
The area around 1305 21st St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OCEANO COMM SERVICES DIST. serves 7,598 people · EPA ID CA4010005 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 887 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, Peak WiFi, Ranch Wifi, Verizon.
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