1434 21st St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1434 21st St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 748 sqft · built 1959
Lot Size	0.111 acres (4,850 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Sep 2024)
Tax Bill	$5,863 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-061-006`

Property Details

APN / Parcel Number

Primary APN	`062-061-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	748 sqft Living Area
1st Floor Area	748 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	4,850 sqft (0.111 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1434 21ST ST
City	OCEANO
State	CA
Zip	93445-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	WHEELER SB BL 3 LT 5
Legal Subdivision	WHEELERS
Legal Block	3
Legal Lot Number	5
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1008
Census Tract	12201

Owner

1434 21st St is owned and occupied by an individual who bought it in September 2024.

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	Individual Name on File
Mailing Address	1434 21ST ST, OCEANO, CA 93445-9203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Sep 10, 2020	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2024 · Amount on File
Deed Sale	Sep 24, 2024 · Amount on File
Prior Sale	Sep 10, 2020 · Amount on File
Deed Document Number	202426893
Prior Transfer Date	May 29, 2012
Prior Transfer Doc	0000034134
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1434 21ST ST, OCEANO, CA 93445-9203
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	COVIUS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1434 21ST ST, OCEANO, CA 93445-9203

Mortgage

Document Number	0000018734
Date	Jul 3, 2023
Instrument	2023018734

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Oct 1, 2050

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 10, 2020
Property Address	1434 21ST ST, OCEANO, CA 93445-9203
Document Number	0000049211
Map Reference	MB 3 PG 83
Instrument Date	Aug 12, 2020
Instrument	2020049211
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount 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	1434 21ST ST, OCEANO, CA 93445-9203

Mortgage

Document Number	0000049212
Date	Sep 10, 2020
Instrument	2020049212

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Mortgage

Document Number	0000049213
Date	Sep 10, 2020
Instrument	2020049213

Lender

Name	GOLDEN STATE FINANCE AUTHORITY
Type	Government Agency
Address	SACRAMENTO, CA 95814

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1434 21st St was $5,863 with a homeowner's exemption.

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		$535,500 (+2%) Land $408,000 Building $127,500
2025	$5,863.00 Homeowner's exemption	$525,000 Land $400,000 Building $125,000
2023	$4,945.00 (+1.44%)	$435,927 Land $296,514 Building $139,413
2022	$4,875.00

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

Flood

FEMA maps place 1434 21st St in Zone X, an area of minimal flood risk.

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

The area around 1434 21st 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.

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.

Nearby Properties on 21st St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures