14520 el Monte Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 14520 el Monte Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,996 sqft · built 1989
Lot Size	5.91 acres (257,440 sqft)
Owner	Trust Name on File
Last Sale	$1,190,000 (Mar 2024)
Tax Bill	$13,784 (2025)
Deeds & Mortgages	May 2024 Transfer Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`050-302-002`

Property Details

APN / Parcel Number

Primary APN	`050-302-002`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,996 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	257,440 sqft
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Street Address	14520 EL MONTE RD
City	ATASCADERO
State	CA
Zip	93422-7100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS ATAS COL BL 85 LT 12
Legal Subdivision	ATASCADERO COLONY
Legal Block	85
Legal Lot Number	12
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1024
Census Tract	12706

Owner

14520 el Monte Rd is owner-occupied and held in a trust since March 2024.

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

Owner of Record	Trust Name on File
Mailing Address	14520 EL MONTE RD, ATASCADERO, CA 93422-7100
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
May 9, 2024	Intrafamily Transfer, Transfer
Mar 21, 2024	Grant Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit MECHANICS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2024 · Amount on File
Deed Sale	Mar 21, 2024 · Amount on File
Prior Sale	Aug 7, 2009 · Amount on File
Deed Document Number	20247385
Prior Transfer Date	Dec 30, 1993
Prior Transfer Doc	0000013129
Record Updated	Oct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 9, 2024
Property Address	14520 EL MONTE RD, ATASCADERO, CA 93422-7100
Document Number	0000012325
Map Reference	MB 3 PG 125
Instrument Date	May 7, 2024
Instrument	2024012325
Transaction Type	Transfer
Record Updated	May 20, 2024

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	Living Trust
Address	14520 EL MONTE RD, ATASCADERO, CA 93422-7100

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 21, 2024
Property Address	14520 EL MONTE RD, ATASCADERO, CA 93422-7100
Document Number	0000007385
Map Reference	MB 3 PG 125
Instrument Date	Feb 28, 2024
Instrument	2024007385
Transaction Type	Transfer
Record Updated	Apr 1, 2024
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	14520 EL MONTE RD, ATASCADERO, CA 93422-7100

Mortgage

Document Number	0000007386
Date	Mar 21, 2024
Instrument	2024007386

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	14520 EL MONTE RD, ATASCADERO, CA 93422-7100
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	FIRST AMERICAN TTL SANTA ANA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057736
Date	Dec 24, 2019
Instrument	2019057736

Lender

Name	MECHANICS BANK
Type	Bank
Address	ATASCADERO, CA 93422

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 14520 el Monte Rd was $13,784 with a homeowner's exemption, up 70.6% from the year before.

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

Property Jurisdictions

Type	Name
State	California
Municipality	Atascadero City
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,238,076 (+2%) Land $364,140 Building $873,936
2025	$13,784.00 (+70.64%) Homeowner's exemption	$1,213,800 Land $357,000 Building $856,800
2024	$8,078.00 (+0.06%)
2023	$8,073.00 (+1.28%) Homeowner's exemption	$719,592 Land $248,132 Building $471,460
2022	$7,971.00

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

Flood

FEMA maps place 14520 el Monte Rd 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	2 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

Wildfire risk around 14520 el Monte Rd is high, ranking above 87% of the US, with a 0.8% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 87% of the US · above 68% of California
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Ranch Wifi, Spectrum.

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