1441 21st St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1441 21st St, Oceano, CA 93445

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 1,936 sqft · built 1980
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Oct 2014)
Tax Bill	$5,152 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062-064-004`

Property Details

APN / Parcel Number

Primary APN	`062-064-004`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,936 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Construction Type	Wood
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1441 21ST ST
City	OCEANO
State	CA
Zip	93445-9204
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RMF
Legal Description	TR 684 LT 3
Legal Subdivision	TRACT 684
Legal Tract	684
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2003
Census Tract	12202

Owner

1441 21st St, a duplex, is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1441 21ST ST, OCEANO, CA 93445-9204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Aug 24, 2021	Intrafamily Transfer, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2014 · Amount on File
Deed Sale	Oct 28, 2014 · Amount on File
Deed Document Number	201445423
Last Transfer Date	Aug 19, 2021
Transfer Doc	0000058787
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 16, 2026
Property Address	1441 21ST ST, OCEANO, CA 93445-9204
Document Number	0000011651
Instrument Date	Sep 11, 2025
Instrument	202611651
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE CONNECTION, TITLE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205

Mortgage

Document Number	0000011651,
Date	Apr 16, 2026
Instrument	202611651

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.58%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1441 21ST ST, OCEANO, CA 93445-9204
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	IN TITLE, FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1449 21ST ST, OCEANO, CA 93445-9204

Mortgage

Document Number	0000018232
Date	Apr 25, 2022
Instrument	2022018232

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1441 21ST ST, OCEANO, CA 93445-9204
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1441 21ST ST, OCEANO, CA 93445-9204

Mortgage

Document Number	0000060741
Date	Sep 2, 2021
Instrument	2021060741

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 24, 2021
Property Address	1441 21ST ST, OCEANO, CA 93445-9204
Document Number	0000058787
Map Reference	MB 9 PG 78
Instrument Date	Aug 19, 2021
Instrument	2021058787
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1441 21ST ST # 1449, 1449, OCEANO, CA 93445-9204

Tax Assessment & Valuation

The 2025 property tax bill for 1441 21st St was $5,152, up 3.8% from the year before.

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		$452,049 (+7.47%) Land $196,136 Building $255,913
2025	$5,152.00 (+3.77%)	$420,638 Land $192,291 Building $228,347
2024	$4,965.00 (+1.04%)
2023	$4,914.00 (+1.34%)	$404,306 Land $184,825 Building $219,481
2022	$4,849.00

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

Flood

FEMA maps place 1441 21st St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 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.

Wildfire

The area around 1441 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.

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