1388 20th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1388 20th St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,299 sqft · built 1977
Lot Size	0.138 acres (6,000 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Mar 2011)
Tax Bill	$3,540 (2025)
Deeds & Mortgages	Jul 2022 Transfer Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`062-261-077`

Property Details

APN / Parcel Number

Primary APN	`062-261-077`

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	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1388 20TH ST
City	OCEANO
State	CA
Zip	93445-9319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 556 LT 77
Legal Subdivision	TRACT 556
Legal Tract	556
Legal Block	1
Legal Lot Number	77
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1001
Census Tract	12201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1388 20TH ST, OCEANO, CA 93445-9319
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Intrafamily Transfer, Transfer
Dec 16, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 3, 2017	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Dec 17, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 12, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2011 · Amount on Record
Deed Sale	Mar 11, 2011 · Amount on Record
Prior Sale	Dec 20, 2010 · Amount on Record
Deed Document Number	201112273
Last Transfer Date	Jun 22, 2022
Transfer Doc	0000027475
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 1, 2022
Property Address	1388 20TH ST, OCEANO, CA 93445-9319
Document Number	0000027475
Map Reference	MB 9 PG 14
Instrument Date	Jun 22, 2022
Instrument	2022027475
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	1388 20TH ST, OCEANO, CA 93445-9319

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1388 20TH ST, OCEANO, CA 93445-9319
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1388 20TH ST, OCEANO, CA 93445-9319

Mortgage

Document Number	0000082078
Date	Dec 16, 2021
Instrument	2021082078

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1388 20TH ST, OCEANO, CA 93445-9319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050738
Date	Nov 3, 2017
Instrument	2017050738

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1388 20TH ST, OCEANO, CA 93445-9319
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1388 20TH ST, OCEANO, CA 93445-9319

Mortgage

Document Number	0000074789
Date	Dec 17, 2020
Instrument	2020074789

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 12, 2020
Property Address	1388 20TH ST, OCEANO, CA 93445-9319
Document Number	0000065176
Instrument Date	Nov 6, 2020
Instrument	65176
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

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	1388 20TH ST OCEANO CA 934459319, OCEANO, CA 93445-9319

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 22, 2018
Property Address	1388 20TH ST, OCEANO, CA 93445-9319
Document Number	0000007031
Instrument Date	Feb 19, 2018
Instrument	7031
Transaction Type	Transfer
Record Updated	Mar 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1388 20TH ST OCEANO CA 934459319, OCEANO, CA 93445-9319

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		$313,621 (+2%) Land $196,013 Building $117,608
2025	$3,540.00 (+4.83%) Homeowner's exemption	$307,472 (+4.04%) Land $192,170 Building $115,302
2023	$3,377.00 (+1.44%) Homeowner's exemption	$295,534 Land $184,708 Building $110,826
2022	$3,329.00

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.

Nearby Properties on 20th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures