1378 21st St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1378 21st St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,497 sqft · built 1977
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2011)
Tax Bill	$6,402 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-261-023`

Property Details

APN / Parcel Number

Primary APN	`062-261-023`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,497 sqft Living Area
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
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1376 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 23
Legal Subdivision	SANDPOINTE TERRACE
Legal Tract	556
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1000
Census Tract	12201

Owner

1378 21st St is owned and occupied by two individuals who bought it in June 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1376 21ST ST, OCEANO, CA 93445-9201
Occupancy	Owner Occupied
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
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2011 · Amount on File
Deed Sale	Jun 21, 2011 · Amount on File
Prior Sale	Aug 16, 2010 · Amount on File
Deed Document Number	201129226
Prior Transfer Date	Mar 23, 1994
Prior Transfer Doc	0000020859
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1378 21ST ST, OCEANO, CA 93445
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1376 21ST ST, OCEANO, CA 93445-9201

Mortgage

Document Number	0000018408
Date	Apr 26, 2022
Instrument	2022018408

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1378 21ST ST, OCEANO, CA 93445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017758
Date	May 14, 2019
Instrument	2019017758

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1378 21st St was $6,402 with a homeowner's exemption.

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		$586,923 (+2%) Land $156,809 Building $430,114
2025	$6,402.00 Homeowner's exemption	$575,416 Land $153,735 Building $421,681
2023	$6,117.00 (+1.48%) Homeowner's exemption	$553,073 Land $147,766 Building $405,307
2022	$6,028.00

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

Flood

FEMA maps place 1378 21st St in Zone X, an area of minimal flood risk.

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

The area around 1378 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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