1395 20th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1395 20th St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,224 sqft · built 1977
Lot Size	0.149 acres (6,503 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,835 (2025)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-261-036`

Property Details

APN / Parcel Number

Primary APN	`062-261-036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,224 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Block
Construction Type	Wood
Lot Area	6,503 sqft (0.149 acres)
Lot Dimensions	100 ft deep x 65 ft wide

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1395 20TH ST
City	OCEANO
State	CA
Zip	93445-9323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 556 LT 36
Legal Subdivision	556 SANDPOINTE TERRACE
Legal Tract	556
Legal Block	1
Legal Lot Number	36
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 · APN 062-261-036

Assessment roll updated August 6, 2026 · Last verified August 2026

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 File
Mailing Address	1395 20TH ST, OCEANO, CA 93445-9323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1395 20TH ST, OCEANO, CA 93445-9323
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028332
Date	Jul 11, 2018
Instrument	2018028332

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated August 6, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$150,799 (+2%) Land $45,276 Building $105,523
2025	$1,835.00 (+5.16%) Homeowner's exemption	$147,843 (+4.04%) Land $44,389 Building $103,454
2023	$1,745.00 (+1.39%) Homeowner's exemption	$142,104 Land $42,666 Building $99,438
2022	$1,721.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 22, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: Peak WiFi, Radiate Holdings, Ranch WiFi, Verizon.

Based on FCC filings for 887 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCEANO COMM SERVICES DIST. serves 7,598 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.