1340 21st St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1340 21st St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,299 sqft · built 1977
Lot Size	0.163 acres (7,105 sqft)
Owner	2 Company Names on Record
Last Sale	$420,000 (Mar 2018)
Tax Bill	$4,795 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`062-261-029`

Property Details

APN / Parcel Number

Primary APN	`062-261-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,299 sqft Living Area
1st Floor Area	1,299 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Lot Area	7,105 sqft (0.163 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	1340 21ST ST
City	OCEANO
State	CA
Zip	93445-9201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 556 LT 29
Legal Subdivision	SANDPOINTE TERRACE
Legal Tract	556
Legal Block	2
Legal Lot Number	29
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1000
Census Tract	12201

Owner

Source: San Luis Obispo County records, as of August 6, 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	2 Company Names on Record
Mailing Address	1340 21ST ST, OCEANO, CA 93445-9201
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Grant Deed, Transfer FIDELITY NATIONAL TITLE
May 28, 2026	Grant Deed, Transfer · Line of Credit SELCO CREDIT UNION
May 8, 2023	Intrafamily Transfer, Transfer
Apr 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
May 14, 2021	Intrafamily Transfer, Transfer
Mar 7, 2018	Grant Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2018 · Amount on Record
Deed Sale	Mar 7, 2018 · Amount on Record
Prior Sale	May 7, 2009 · Amount on Record
Deed Document Number	20188944
Last Transfer Date	May 12, 2021
Transfer Doc	0000036042
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 29, 2026
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Document Number	0000016891
Instrument Date	May 22, 2026
Instrument	202616891
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	1340 21ST ST, OCEANO, CA 93445-9201

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 28, 2026
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Document Number	0000016630
Instrument Date	May 22, 2026
Instrument	202616630
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 21ST ST, OCEANO, CA 93445-9201

Mortgage

Document Number	0000016631,
Date	May 28, 2026
Instrument	202616631

Lender

Name	SELCO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 8, 2023
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Document Number	0000012639
Map Reference	MB 9 PG 14
Instrument Date	May 5, 2023
Instrument	2023012639
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
Address	1340 21ST ST, OCEANO, CA 93445-9201

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE GUARANTY GLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015518
Date	Apr 30, 2019
Instrument	2019015518

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TTL OF CALFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018985
Date	Apr 20, 2020
Instrument	2020018985

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 21ST ST, OCEANO, CA 93445-9201

Mortgage

Document Number	0000071132
Date	Dec 3, 2020
Instrument	2020071132

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 14, 2021
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Document Number	0000036042
Map Reference	MB 9 PG 14
Instrument Date	May 12, 2021
Instrument	2021036042
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	Revocable Trust
Address	1340 21ST ST, OCEANO, CA 93445-9201

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 7, 2018
Property Address	1340 21ST ST, OCEANO, CA 93445-9201
Document Number	0000008944
Map Reference	MB9 PG14
Instrument Date	Feb 13, 2018
Instrument	2018008944
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1340 21ST ST, OCEANO, CA 93445-9201

Mortgage

Document Number	0000008945
Date	Mar 7, 2018
Instrument	2018008945

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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		$433,442 (+2%) Land $236,423 Building $197,019
2025	$4,795.00 (+4.74%) Homeowner's exemption	$424,944 (+4.04%) Land $231,788 Building $193,156
2023	$4,578.00 (+1.46%) Homeowner's exemption	$408,445 Land $222,789 Building $185,656
2022	$4,512.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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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