1395 22nd St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1395 22nd St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1972
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jul 2018)
Tax Bill	$5,618 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-022-026`

Property Details

APN / Parcel Number

Primary APN	`062-022-026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1972
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	100 ft deep x 62 ft wide
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1395 22ND ST
City	OCEANO
State	CA
Zip	93445-9235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	TN OCEANO WILMAR SB BL 1 LT 16
Legal Subdivision	WILMAR ADD
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1395 22ND ST, OCEANO, CA 93445-9235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 17, 2018	Grant Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2018 · Amount on Record
Deed Sale	Jul 17, 2018 · Amount on Record
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	0000028861
Last Transfer Date	Jul 16, 2020
Transfer Doc	0000035937
Record Updated	Jun 7, 2026

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 16, 2020
Property Address	1395 22ND ST, OCEANO, CA 93445-9235
Document Number	0000035937
Map Reference	MB 3 PG 59
Instrument Date	Jun 19, 2020
Instrument	2020035937
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	Joint Tenants
Address	1395 22ND ST, OCEANO, CA 93445-9235

Mortgage

Document Number	0000035938
Date	Jul 16, 2020
Instrument	2020035938

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 17, 2018
Property Address	1395 22ND ST, OCEANO, CA 93445-9235
Document Number	0000028861
Map Reference	M3B PG59
Instrument Date	Jun 21, 2018
Instrument	2018028861
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1395 22ND ST, OCEANO, CA 93445-9235

Mortgage

Document Number	0000028862
Date	Jul 17, 2018
Instrument	2018028862

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

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	$5,618.00 (+4.7%) Homeowner's exemption	$501,979 (+4.04%) Land $334,654 Building $167,325
2023	$5,366.00 (+1.48%) Homeowner's exemption	$482,489 Land $321,660 Building $160,829
2022	$5,288.00

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
Nearby Flood Policies	1 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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