1423 20th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1423 20th St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 964 sqft · built 1951
Lot Size	0.111 acres (4,875 sqft)
Owner	Individual Name on Record
Last Sale	$619,000 (Jul 2024)
Tax Bill	$6,942 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-061-013`

Property Details

APN / Parcel Number

Primary APN	`062-061-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	964 sqft Living Area

Exterior

Year Built	Built 1951
Construction Type	Wood
Lot Area	4,875 sqft (0.111 acres)

Location & Zoning

Street Address	1423 20TH ST
City	OCEANO
State	CA
Zip	93445-9320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	WHEELER SB BL 3 LT 9
Legal Subdivision	WHEELERS SUB
Legal Block	3
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1008
Census Tract	12201

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	1423 20TH ST, OCEANO, CA 93445-9320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2020	Deed of Trust, Mortgage · Commercial Mortgage CIVIC FINANCIAL SERVICES LLC
Feb 5, 2021	Grant Deed, Transfer · Conventional Mortgage PRIME CHOICE FUNDING INC
Aug 7, 2019	Grant Deed, Transfer · Commercial Mortgage ZINCE FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2024 · Amount on Record
Deed Sale	Jul 12, 2024 · Amount on Record
Prior Sale	Feb 5, 2021 · Amount on Record
Deed Document Number	2024018584
Record Updated	Jun 7, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1423 20TH ST, OCEANO, CA 93445-9320
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004018
Date	Jan 27, 2020
Instrument	2020004018

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	REDONDO BEACH, CA 90278

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 5, 2021
Property Address	1423 20TH ST, OCEANO, CA 93445-9320
Document Number	0000008872
Map Reference	MB 3 PG 83
Instrument Date	Jan 6, 2021
Instrument	2021008872
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	1423 20TH ST, OCEANO, CA 93445-9320

Mortgage

Document Number	0000008873
Date	Feb 5, 2021
Instrument	2021008873

Lender

Name	PRIME CHOICE FUNDING INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 7, 2019
Property Address	1423 20TH ST, OCEANO, CA 93445-9320
Document Number	0000032097
Map Reference	MB 3 PG 83
Instrument Date	Jul 31, 2019
Instrument	2019032097
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FNT SOUTH COUNTY COST CENTER

Transaction

Amount	Amount Recorded
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
Address	PO BOX 417, AVILA BEACH, CA 93424-0417

Mortgage

Document Number	0000032098
Date	Aug 7, 2019
Instrument	2019032098

Lender

Name	ZINCE FINANCIAL INC
Type	Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$6,942.00 (+21.13%)	$619,000 (+21.42%) Land $450,000 Building $169,000
2023	$5,731.00 (+1.45%)	$509,796 Land $338,130 Building $171,666
2022	$5,649.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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