San Luis Obispo County property record for 1490 14th St, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,318 sqft · built 1972 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Mar 2022) |
| Tax Bill | $7,624 (2025) |
| Deeds & Mortgages | Mar 2022 Second Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-041-045 |
| Primary APN | 062-041-045 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,318 sqft Living Area |
| 1st Floor Area | 1,318 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Wood |
| Lot Area | 4,356 sqft (0.1 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1490 14TH ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | TN OCEANO WARNER ADD BL 5 LT 1 |
| Legal Subdivision | TN OCEANO WARNER ADD |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 12201 |
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 | 1490 14TH ST, OCEANO, CA 93445-9418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERIFIRST FINANCIAL INC |
| Mar 15, 2022 | Grant Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on Record |
| Deed Sale | Mar 15, 2022 · Amount on Record |
| Prior Sale | Nov 10, 2014 · Amount on Record |
| Deed Document Number | 202211635 |
| Prior Transfer Date | Jul 2, 2015 |
| Prior Transfer Doc | 0000032870 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1490 14TH ST, OCEANO, CA 93445-9418 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1182 ATLANTIC CITY AVE, GROVER BEACH, CA 93433-1107 |
| Document Number | 0000011638 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 2022011638 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | GILBERT, AZ 85297 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 362 Months |
| Due | May 7, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 15, 2022 |
| Property Address | 1490 14TH ST, OCEANO, CA 93445-9418 |
| Document Number | 0000011635 |
| Map Reference | MB B PG 51 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2022011635 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1490 14TH ST, OCEANO, CA 93445-9418 |
| Document Number | 0000011636 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 2022011636 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Number | 0000011637 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 2022011637 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | GILBERT, AZ 85297 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 362 Months |
| Due | May 7, 2052 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Lucia Mar Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $703,580 (+2%) Land $432,972 Building $270,608 | |
| 2025 | $7,624.00 (+4.64%) Homeowner's exemption | $689,785 (+4.04%) Land $424,483 Building $265,302 |
| 2023 | $7,286.00 (+57.4%) Homeowner's exemption | $663,000 Land $408,000 Building $255,000 |
| 2022 | $4,629.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 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 |
|
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures