1395 23rd St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1395 23rd St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 696 sqft · built 1999
Lot Size	0.175 acres (7,602 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (May 2017)
Tax Bill	$6,033 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062-023-010`

Property Details

APN / Parcel Number

Primary APN	`062-023-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,289 sqft Living Area
1st Floor Area	1,289 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Wood
Lot Area	7,602 sqft (0.175 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1395 23RD ST
City	OCEANO
State	CA
Zip	93445-9102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	WARNER TR PTN LT D
Legal Subdivision	CORRAL DE PEIDRA RHO
Legal Block	1
Legal Lot Number	D
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 October 8, 2026

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
Mailing Address	1395 23RD ST, OCEANO, CA 93445-9102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 25, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 24, 2017	Grant Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2017 · Amount on Record
Deed Sale	May 24, 2017 · Amount on Record
Prior Sale	Dec 2, 1999 · Amount on Record
Deed Document Number	201722510
Prior Transfer Date	May 16, 2014
Prior Transfer Doc	0000021977
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 29, 2026
Property Address	1395 23RD ST, OCEANO, CA 93445-9102
Document Number	0000030593
Instrument Date	Sep 24, 2026
Instrument	202630593
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1395 23RD ST, OCEANO, CA 93445-9102

Mortgage

Document Number	0000030593,
Date	Sep 29, 2026
Instrument	202630593

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1395 23RD ST, OCEANO, CA 93445-9102
Transaction Type	Mortgage
Record Updated	Jun 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1395 23RD ST, OCEANO, CA 93445-9102

Mortgage

Document Number	0000040585
Date	Jun 3, 2021
Instrument	2021040585

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1395 23RD ST, OCEANO, CA 93445-9102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045175
Date	Aug 25, 2020
Instrument	2020045175

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Jun 1, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 24, 2017
Property Address	1395 23RD ST, OCEANO, CA 93445-9102
Document Number	0000022510
Map Reference	MAP B PG50
Instrument Date	Apr 7, 2017
Instrument	2017022510
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1395 23RD ST, OCEANO, CA 93445-9102

Mortgage

Document Number	0000022511
Date	May 24, 2017
Instrument	2017022511

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$544,541 (+2%) Land $295,947 Building $248,594
2025	$6,033.00 (+4.63%)	$533,865 (+4.04%) Land $290,145 Building $243,720
2023	$5,766.00 (+1.44%)	$513,136 Land $278,879 Building $234,257
2022	$5,684.00

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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