1340 24th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1340 24th St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1980
Lot Size	0.137 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (May 2019)
Tax Bill	$6,392 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`062-023-025`

Property Details

APN / Parcel Number

Primary APN	`062-023-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,580 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Construction Type	Wood
Lot Area	6,000 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	1340 24TH ST
City	OCEANO
State	CA
Zip	93445-9171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 708 LT 3
Legal Subdivision	TRACT 708
Legal Tract	708
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1004
Census Tract	12202

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	2 Individual Names on Record
Mailing Address	1340 24TH ST, OCEANO, CA 93445-9171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 6, 2020	Quit Claim Deed, Transfer BANK OF AMERICA
May 22, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Nov 30, 2017	Grant Deed, Transfer · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Prior Sale	May 22, 2019 · Amount on Record
Deed Document Number	0000019085
Last Transfer Date	Apr 6, 2020
Transfer Doc	0000016562
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1340 24TH ST, OCEANO, CA 93445-9171
Transaction Type	Mortgage
Record Updated	Dec 29, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 24TH ST, OCEANO, CA 93445-9171

Mortgage

Document Number	0000037517
Date	Dec 19, 2023
Instrument	2023037517

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1340 24TH ST, OCEANO, CA 93445-9171
Transaction Type	Mortgage
Record Updated	Apr 29, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1340 24TH ST, OCEANO, CA 93445-9171

Mortgage

Document Number	0000027560
Date	Apr 13, 2021
Instrument	2021027560

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 6, 2020
Property Address	1340 24TH ST, OCEANO, CA 93445-9171
Document Number	0000016562
Instrument Date	Mar 16, 2020
Instrument	16562
Transaction Type	Transfer
Record Updated	May 6, 2020
Title Company	SERVICELINK EAST ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1340 24TH ST OCEANO CA 934459171, OCEANO, CA 93445-9171

Mortgage

Document Number	16563
Date	Apr 6, 2020
Instrument	16563

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 22, 2019
Property Address	1340 24TH ST, OCEANO, CA 93445-9171
Document Number	0000019085
Instrument Date	Apr 24, 2019
Instrument	19085
Transaction Type	Transfer
Record Updated	Jun 3, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Value
Additional	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	1340 24TH ST OCEANO CA 934459171, OCEANO, CA 93445-9171

Mortgage

Document Number	19086
Date	May 22, 2019
Instrument	19086

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 30, 2017
Property Address	1340 24TH ST, OCEANO, CA 93445-9171
Document Number	0000054939
Instrument Date	Nov 1, 2017
Instrument	54939
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$537.00
Amount Accuracy	Full Value
Additional	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	1340 24TH ST OCEANO CA 934459171, OCEANO, CA 93445-9171

Mortgage

Document Number	54940
Date	Nov 30, 2017
Instrument	54940

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

Tax Assessment & Valuation

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

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
2025	$6,392.00 (+4.67%) Homeowner's exemption	$574,488 (+4.04%) Land $334,654 Building $239,834
2023	$6,107.00 (+1.48%) Homeowner's exemption	$552,182 Land $321,660 Building $230,522
2022	$6,018.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 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

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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