San Luis Obispo County property record for 1440 25th St, Oceano, CA 93445
| Property Type | Planned Unit Development |
|---|---|
| Details | 3 bd · 2 ba · 1,583 sqft · built 2009 |
| Lot Size | 0.102 acres (4,423 sqft) |
| Owner | Company Name on Record |
| Last Sale | $357,000 (Apr 2010) |
| Tax Bill | $5,178 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-075-046 |
| Primary APN | 062-075-046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,583 sqft Living Area |
| 1st Floor Area | 1,583 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Wood |
| Lot Area | 4,423 sqft (0.102 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1440 25TH ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9194 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Local Zoning Code | RSF |
| Legal Description | TR 2758 LT 46 |
| Legal Subdivision | TRACT 2758 |
| Legal Tract | 2758 |
| Legal Block | 1 |
| Legal Lot Number | 46 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 12202 |
Source: San Luis Obispo County records, as of September 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1440 25TH ST, OCEANO, CA 93445-9194 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2010 · Amount on Record |
| Deed Sale | Apr 16, 2010 · Amount on Record |
| Prior Sale | Sep 30, 2005 · Amount on Record |
| Deed Document Number | 201017667 |
| Last Transfer Date | Mar 22, 2024 |
| Transfer Doc | 0000015975 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1440 25TH ST, OCEANO, CA 93445-9194 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1440 25TH ST, OCEANO, CA 93445-9194 |
| Document Number | 0000039238 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 2025039238 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 9, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $470,025 (+2%) Land $197,488 Building $272,537 | |
| 2025 | $5,178.00 (+4.71%) Homeowner's exemption | $460,810 (+4.04%) Land $193,616 Building $267,194 |
| 2023 | $4,945.00 (-0.06%) Homeowner's exemption | $442,918 Land $186,099 Building $256,819 |
| 2022 | $4,948.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 633 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Surfnet Communications Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, Peak WiFi, Verizon.
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