1405 Ellen Ln, Nipomo, CA 93444 Property Records

San Luis Obispo County property record for 1405 Ellen Ln, Nipomo, CA 93444

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,223 sqft · built 2022
Lot Size	0.211 acres (9,202 sqft)
Owner	2 Company Names on File
Last Sale	$1,316,000 (Aug 2022)
Tax Bill	$12,546 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-514-001`

Property Details

APN / Parcel Number

Primary APN	`091-514-001`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,223 sqft Living Area
1st Floor Area	2,223 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Wood
Lot Area	9,202 sqft (0.211 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1405 ELLEN LN
City	NIPOMO
State	CA
Zip	93444-6693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TR 2341-14 LT 1076
Legal Subdivision	WOODLANDS TRACT 2341 UNIT 14
Legal Tract	2341-14
Legal Block	1
Legal Lot Number	1076
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1042
Census Tract	12306

Owner

1405 Ellen Ln is owned by a company that acquired it in September 2024.

Source: San Luis Obispo County records, as of May 11, 2026

Owner of Record	2 Company Names on File
Mailing Address	1405 ELLEN LN, NIPOMO, CA 93444-6693
Owner Type	Company
Vesting	Life Tenant

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
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 25, 2022	Grant Deed, Subdivision Related Transfer · Conventional Mortgage AUGUSTA FINANCIAL INC
Jul 23, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2022 · Amount on File
Deed Sale	Aug 25, 2022 · Amount on File
Prior Sale	Jul 23, 2021 · Amount on File
Deed Document Number	202234297
Last Transfer Date	Sep 18, 2024
Transfer Doc	0000030385
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 4, 2026
Property Address	1405 ELLEN LN, NIPOMO, CA 93444-6693
Document Number	0000013882
Instrument Date	Apr 25, 2026
Instrument	202613882
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	1405 ELLEN LN, NIPOMO, CA 93444-6693

Mortgage

Document Number	0000013882,
Date	May 4, 2026
Instrument	202613882

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 25, 2022
Property Address	1405 ELLEN LN, NIPOMO, CA 93444-6693
Document Number	0000034297
Map Reference	MB 39 PG 1-35
Instrument Date	Aug 2, 2022
Instrument	2022034297
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	Tenants in Common
Address	1405 ELLEN LN, NIPOMO, CA 93444-6693

Mortgage

Document Number	0000034298
Date	Aug 25, 2022
Instrument	2022034298

Lender

Name	AUGUSTA FINANCIAL INC
Type	Mortgage Company

Agreement

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

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 23, 2021
Property Address	1405 ELLEN LN, NIPOMO, CA 93444-6693
Document Number	0000052489
Map Reference	MB 39 PG 1-35
Instrument Date	Jul 16, 2021
Instrument	2021052489
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 EUCALYPTUS RD, NIPOMO, CA 93444-6682
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1405 Ellen Ln was $12,546, up 3.5% from the year before.

Source: San Luis Obispo County assessment roll, as of August 6, 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	$12,546.00 (+3.47%)	$1,185,932 Land $636,166 Building $549,766
2024	$12,125.00 (-12.89%)
2023	$13,919.00 (+578.64%)	$1,315,800 Land $700,000 Building $615,800
2022	$2,051.00

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

Flood

FEMA maps place 1405 Ellen Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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

Wildfire risk around 1405 Ellen Ln is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 60% of the US · lower than 63% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	WOODLANDS DEVELOPMENT private · serves 3,862 people · EPA ID CA4010081
Water Source	Purchased surface water from NIPOMO COMM SERVICES DIST
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2022–2024) 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Surfnet Communications.

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