1474 23rd St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1474 23rd St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1977
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$487,500 (Dec 2019)
Tax Bill	$5,337 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`062-068-025`

Property Details

APN / Parcel Number

Primary APN	`062-068-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Wood
Lot Area	5,000 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1474 23RD ST
City	OCEANO
State	CA
Zip	93445-9137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN OCEANO LA VERNE ADD BL 2 LT 2
Legal Subdivision	TN OCEANO LA VERNE ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2005
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	1474 23RD ST, OCEANO, CA 93445-9137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit COASTHILLS CU
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Dec 27, 2019	Grant Deed, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Oct 1, 2019	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Oct 1, 2019	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2019 · Amount on Record
Deed Sale	Dec 27, 2019 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	201958418
Prior Transfer Date	Oct 26, 2005
Prior Transfer Doc	0000095116
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1474 23RD ST, OCEANO, CA 93445-9137
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1474 23RD ST, OCEANO, CA 93445-9137

Mortgage

Document Number	0000003766
Date	Feb 9, 2026
Instrument	2026003766

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1474 23RD ST, OCEANO, CA 93445-9137
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032363
Date	Jun 30, 2020
Instrument	2020032363

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 27, 2019
Property Address	1474 23RD ST, OCEANO, CA 93445-9137
Document Number	0000058418
Map Reference	MB 3 PG 56
Instrument Date	Dec 19, 2019
Instrument	2019058418
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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	Community Property with Right of Survivorship
Address	1474 23RD ST, OCEANO, CA 93445-9137

Mortgage

Document Number	0000058419
Date	Dec 27, 2019
Instrument	2019058419

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 1, 2019
Property Address	1474 23RD ST, OCEANO, CA 93445-9137
Document Number	0000041828
Instrument Date	Sep 4, 2019
Instrument	41828
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$479.05
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1437 IVORY DR SANTA MARIA CA 934554057, SANTA MARIA, CA 93455-4057

October 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 1, 2019
Property Address	1474 23RD ST, OCEANO, CA 93445-9137
Document Number	0000041827
Instrument Date	Sep 4, 2019
Instrument	41827
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1033 A SUNRICE DR SANTA MARIA CA 93455, SANTA MARIA, CA 93455

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		$485,245 (+2%) Land $223,101 Building $262,144
2025	$5,337.00 (+4.71%) Homeowner's exemption	$475,731 (+4.04%) Land $218,727 Building $257,004
2023	$5,097.00 (+1.45%) Homeowner's exemption	$457,260 Land $210,235 Building $247,025
2022	$5,024.00

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
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

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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