1470 25th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1470 25th St, Oceano, CA 93445

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2 ba · 1,583 sqft · built 2008
Lot Size	0.114 acres (4,973 sqft)
Owner	2 Individual Names on Record
Last Sale	$548,000 (Nov 2019)
Tax Bill	$6,732 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-075-043`

Property Details

APN / Parcel Number

Primary APN	`062-075-043`

Interior

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

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Wood
Lot Area	4,973 sqft (0.114 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1470 25TH ST
City	OCEANO
State	CA
Zip	93445-9194
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RS
Legal Description	TR 2758 LT 43
Legal Subdivision	TRACT 2758
Legal Tract	2758
Legal Block	1
Legal Lot Number	43
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1002
Census Tract	12202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1470 25TH ST, OCEANO, CA 93445-9194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 22, 2019	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Jun 11, 2014 · Amount on Record
Deed Document Number	201952607
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1470 25TH ST, OCEANO, CA 93445-9194
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1470 25TH ST, OCEANO, CA 93445-9194

Mortgage

Document Number	0000000541
Date	Jan 8, 2026
Instrument	2026000541

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2046

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1470 25TH ST, OCEANO, CA 93445-9153
Transaction Type	Mortgage
Record Updated	Jan 20, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1470 25TH ST, OCEANO, CA 93445-9153

Mortgage

Document Number	0000001616
Date	Jan 11, 2022
Instrument	2022001616

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 22, 2019
Property Address	1470 25TH ST, OCEANO, CA 93445-9153
Document Number	0000052607
Map Reference	MB 29 PG 54-58
Instrument Date	Oct 3, 2019
Instrument	2019052607
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	1470 25TH ST, OCEANO, CA 93445-9153

Mortgage

Document Number	0000052608
Date	Nov 22, 2019
Instrument	2019052608

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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		$611,300 (+2%) Land $334,654 Building $276,646
2025	$6,732.00 (+4.6%)	$599,315 (+4.04%) Land $328,093 Building $271,222
2023	$6,436.00 (+1.47%)	$576,044 Land $315,353 Building $260,691
2022	$6,343.00

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

Flood

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.

Wildfire

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.

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 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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