San Luis Obispo County property record for 1408 15th St, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,332 sqft · built 1988 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $679,000 (May 2022) |
| Tax Bill | $7,952 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-041-062 |
| Primary APN | 062-041-062 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 4,500 sqft (0.103 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1408 15TH ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | TN OCEANO WARNER SB BL 2 LT 7 |
| Legal Subdivision | WARNERS ADD/OCEANO |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 12201 |
1408 15th St is owned and occupied by two individuals who bought it in May 2022.
Source: San Luis Obispo County records, as of August 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1408 15TH ST, OCEANO, CA 93445-9424 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| May 3, 2022 | Grant Deed, Transfer · Conventional Mortgage BOEING EMPLOYEES CU |
| Nov 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2022 · Amount on File |
| Deed Sale | May 3, 2022 · Amount on File |
| Deed Document Number | 202219523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | May 3, 2022 |
| Property Address | 1408 15TH ST, OCEANO, CA 93445-9424 |
| Document Number | 0000019523 |
| Map Reference | MB B PG 49 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 2022019523 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1408 15TH ST, OCEANO, CA 93445-9424 |
| Document Number | 0000019524 |
|---|---|
| Date | May 3, 2022 |
| Instrument | 2022019524 |
| Name | BOEING EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1408 15TH ST, OCEANO, CA 93445-9424 |
| Document Number | 0000052495 |
| Instrument Date | Nov 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1408 15TH ST OCEANO CA 934459424, OCEANO, CA 93445-9424 |
| Document Number | 0000052495 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 52495 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 14, 2032 |
The 2025 property tax bill for 1408 15th St was $7,952 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Lucia Mar Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $734,969 (+2%) Land $432,972 Building $301,997 | |
| 2025 | $7,952.00 Homeowner's exemption | $720,559 Land $424,483 Building $296,076 |
| 2023 | $7,601.00 (+196.22%) Homeowner's exemption | $692,580 Land $408,000 Building $284,580 |
| 2022 | $2,566.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1408 15th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 33 individual policies |
| Nearby Flood Policies | 89 units insured incl. 56 condo units |
| Nearby Flood Claims | 2 (2010) |
| Most Recent Claim | Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows |
| Claims by Event |
|
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.
The area around 1408 15th St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 552 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, T-Mobile, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures