1323 21st St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1323 21st St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1977
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$143,500 (Jul 1998)
Tax Bill	$3,981 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-261-004`

Property Details

APN / Parcel Number

Primary APN	`062-261-004`

Interior

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

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1323 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 4
Legal Tract	556
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2002
Census Tract	12202

Owner

1323 21st St is owned by two individuals who bought it in July 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	2625 TIENDA PL, ARROYO GRANDE, CA 93420-9652
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
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LNDG
Apr 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 1998 · Amount on File
Deed Sale	Jul 17, 1998 · Amount on File
Deed Document Number	199844481
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1323 21ST ST, OCEANO, CA 93445-9202
Document Number	0000013739
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	2625 TIENDA PL ARROYO GRANDE CA 934209652, ARROYO GRANDE, CA 93420-9652

Mortgage

Document Number	0000013739
Date	Mar 19, 2020
Instrument	13739

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 18, 2040

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1323 21ST ST, OCEANO, CA 93445-9202
Document Number	0000018656
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1323 21ST ST OCEANO CA 934459202, OCEANO, CA 93445-9202

Mortgage

Document Number	0000018656
Date	Apr 28, 2017
Instrument	18656

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1323 21st St was $3,981.

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

Property Jurisdictions

Type	Name
State	California
County	San Luis Obispo County
Unified School District	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$229,438 (+2%) Land $111,922 Building $117,516
2025	$3,981.00	$224,940 Land $109,728 Building $115,212
2023	$3,856.00 (+0.92%)	$216,207 Land $105,468 Building $110,739
2022	$3,821.00

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

Flood

FEMA maps place 1323 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.

Wildfire

The area around 1323 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.

Drinking Water

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

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 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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