1510 15th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1510 15th St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,872 sqft · built 1974
Lot Size	0.103 acres (4,500 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (Dec 2002)
Tax Bill	$4,156 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-041-034`

Property Details

APN / Parcel Number

Primary APN	`062-041-034`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	528 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	1510 15TH ST
City	OCEANO
State	CA
Zip	93445-9426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	TN OCEANO WARNER SB BL 1 LT 4
Legal Subdivision	WARNERS ADD MAP 02
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2048
Census Tract	12201

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	Company Name on Record
Mailing Address	1054 MIRE WAY, ARROYO GRANDE, CA 93420-6967
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2002 · Amount on Record
Deed Sale	Dec 6, 2002 · Amount on Record
Deed Document Number	2002107281
Last Transfer Date	May 6, 2021
Transfer Doc	0000034523
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 7, 2021
Property Address	1510 15TH ST, OCEANO, CA 93445-9426
Document Number	0000034523
Map Reference	MB B PG 51
Instrument Date	May 6, 2021
Instrument	2021034523
Transaction Type	Transfer
Record Updated	May 21, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Address	1054 MIRE WAY, ARROYO GRANDE, CA 93420-6967

Mortgage

Document Number	0000034524
Date	May 7, 2021
Instrument	2021034524

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

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		$341,083 (+2%) Land $177,263 Building $163,820
2025	$4,156.00 (+5%) Homeowner's exemption	$334,396 (+4.04%) Land $173,788 Building $160,608
2023	$3,958.00 (+1.33%) Homeowner's exemption	$321,413 Land $167,041 Building $154,372
2022	$3,906.00

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 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

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.