AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants with Right of Survivorship
Address
1447 16TH ST OCEANO CA 934459433, OCEANO, CA 93445-9433
Mortgage
Document Number
0000045908
Date
Oct 18, 2019
Instrument
45908
Lender
Name
LOANDEPOT.COM LLC
Type
Funding / Finance Company
Address
FOOTHILL RANCH, CA 92610
Agreement
Type
Conventional with PMI
Amount
Amount on Record
Term
360 Months
Due
Oct 17, 2049
May 2019: Intrafamily Transfer, Transfer
Document Type
Intrafamily Transfer
Jurisdiction
SAN LUIS OBISPO CA
Recording Date
May 23, 2019
Property Address
1447 16TH ST, OCEANO, CA 93445-9433
Document Number
0000019186
Map Reference
MB 16 PG 1
Instrument Date
May 16, 2019
Instrument
2019019186
Transaction Type
Transfer
Record Updated
Aug 9, 2021
Title Company
CALIFORNIA MEMBERS TITLE CO
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
1447 16TH ST, OCEANO, CA 93445-9433
Mortgage
Document Number
0000019187
Date
May 23, 2019
Instrument
2019019187
Lender
Name
FIREFIGHTERS FIRST FCU
Type
Credit Union
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
300 Months
Due
May 28, 2044
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
Tax Assessment & Valuation
The 2025 property tax bill for 1447 16th St was $7,412.
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
$676,260 (+2%)Land $442,170Building $234,090
2025
$7,412.00
$663,000Land $433,500Building $229,500
2023
$4,543.00 (+1.45%)Homeowner's exemption
$405,152Land $195,213Building $209,939
2022
$4,478.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 1447 16th 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 Zone
Zone X minimal risk
Flood Insurance Requirement
Not required lenders may require it
Flood Insurance Cost
Premium on File median of 33 individual policies
Nearby Flood Policies
89 units insured incl. 56 condo units
Nearby Flood Claims
2 (2010)
Most Recent Claim
Dec 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 1447 16th 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 552 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, T-Mobile, Verizon.