1410 14th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1410 14th St, Oceano, CA 93445

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,062 sqft · built 1915
Lot Size0.12 acres (5,227 sqft)
OwnerCompany Name on File
Last Sale$310,000 (Oct 2020)
Tax Bill$4,243 (2025)
Deeds & MortgagesJun 2023 Transfer
Jan 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN062-041-054

Property Details

APN / Parcel Number

Primary APN062-041-054

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,062 sqft Living Area
1st Floor Area1,062 sqft

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1915
Architectural StyleMulti-Family
Construction TypeWood
Lot Area5,227 sqft (0.12 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
SewerConnected

Location & Zoning

Street Address1410 14TH ST
CityOCEANO
StateCA
Zip93445-9418
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRMF
Legal DescriptionTN OCEANO WARNER ADD BL 5LT 7 PTN LT 6
Legal SubdivisionTN OCEANO WARNER ADD
Legal Block2
Legal Lot Number6
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionARROYO GRANDE
Census Block Group2
Census Block2042
Census Tract12201

Owner

1410 14th St is owned by a company that bought it in October 2020.

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 RecordCompany Name on File
Mailing Address512 CARMELLA DR, ARROYO GRANDE, CA 93420-3712
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Jun 1, 2023Intrafamily Transfer, Transfer
Jan 31, 2022Deed of Trust, Mortgage · Conventional Mortgage
KD CAPITAL MORTGAGE CORPORATION
Aug 25, 2021Deed of Trust, Mortgage · Line of Credit
SESLOC FCU
Oct 30, 2020Grant Deed, Transfer · Conventional Mortgage
KD CAPITAL MORTGAGE CORPORATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 30, 2020 · Amount on File
Deed SaleOct 30, 2020 · Amount on File
Prior SaleMar 1, 1994 · Amount on File
Deed Document Number202062390
Record UpdatedOct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN LUIS OBISPO CA
Recording DateJun 1, 2023
Property Address1410 14TH ST, OCEANO, CA 93445-9418
Document Number0000015223
Map ReferenceMB B PG 51
Instrument DateMay 17, 2023
Instrument2023015223
Transaction TypeTransfer
Record UpdatedJun 9, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address512 CARMELLA DR, ARROYO GRANDE, CA 93420-3712

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address1410 14TH ST, OCEANO, CA 93445-9418
Transaction TypeMortgage
Record UpdatedFeb 9, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1410 14TH ST, OCEANO, CA 93445-9418

Mortgage

Document Number0000004523
DateJan 31, 2022
Instrument2022004523
Lender
NameKD CAPITAL MORTGAGE CORPORATION
TypeMortgage Company
AddressPASO ROBLES, CA 93446
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2052

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address1410 14TH ST, OCEANO, CA 93445-9418
Transaction TypeMortgage
Record UpdatedSep 3, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1410 14TH ST, OCEANO, CA 93445-9418

Mortgage

Document Number0000058827
DateAug 25, 2021
Instrument2021058827
Lender
NameSESLOC FCU
TypeCredit Union
AddressSAN LUIS OBISPO, CA 93403
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueAug 24, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateOct 30, 2020
Property Address1410 14TH ST, OCEANO, CA 93445-9418
Document Number0000062390
Map ReferenceMB B PG 51
Instrument DateSep 9, 2020
Instrument2020062390
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyPLACER TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address1410 14TH ST, OCEANO, CA 93445-9418

Mortgage

Document Number0000062391
DateOct 30, 2020
Instrument2020062391
Lender
NameKD CAPITAL MORTGAGE CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1410 14th St was $4,243.

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictLucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$342,261 (+2%) Land $259,457 Building $82,804
2025$4,243.00$335,551 Land $254,370 Building $81,181
2023$4,044.00 (+1.3%)$322,524 Land $244,494 Building $78,030
2022$3,992.00

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

Flood

FEMA maps place 1410 14th 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 33 individual policies
Nearby Flood Policies89 units insured
incl. 56 condo units
Nearby Flood Claims2 (2010)
Most Recent ClaimDec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows
Claims by Event
  • Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

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

The area around 1410 14th 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 RiskNot 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 SystemOCEANO COMM SERVICES DIST.
serves 7,598 people · EPA ID CA4010005
Water SourcePurchased surface water from several systems
Last State InspectionJun 2024
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 552 locations within half a mile, as of December 31, 2025

ProviderMax 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.

Nearby Properties on 14th St

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