1540 25th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1540 25th St, Oceano, CA 93445

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2.5 ba · 1,415 sqft · built 2011
Lot Size	0.083 acres (3,607 sqft)
Owner	Company Name on Record
Last Sale	$406,000 (Jun 2014)
Tax Bill	$5,590 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-075-018`

Property Details

APN / Parcel Number

Primary APN	`062-075-018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,415 sqft Living Area
1st Floor Area	1,415 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Construction Type	Wood
Lot Area	3,607 sqft (0.083 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	1540 25TH ST
City	OCEANO
State	CA
Zip	93445-9152
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RSF
Legal Description	TR 2758 LT 18
Legal Subdivision	TRACT 2758
Legal Tract	2758
Legal Block	1
Legal Lot Number	18
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	Company Name on Record
Mailing Address	1540 25TH ST, OCEANO, CA 93445-9152
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Nov 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2014 · Amount on Record
Deed Sale	Jun 19, 2014 · Amount on Record
Prior Sale	Nov 30, 2011 · Amount on Record
Deed Document Number	201424138
Last Transfer Date	Jul 2, 2020
Transfer Doc	0000035604
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1540 25TH ST, OCEANO, CA 93445-9152
Transaction Type	Mortgage
Record Updated	Jun 21, 2023
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 25TH ST, OCEANO, CA 93445-9152

Mortgage

Document Number	0000016485
Date	Jun 13, 2023
Instrument	2023016485

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1540 25TH ST, OCEANO, CA 93445-9152
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052851
Date	Nov 17, 2017
Instrument	2017052851

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	May 2, 2047

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 15, 2020
Property Address	1540 25TH ST, OCEANO, CA 93445-9152
Document Number	0000035604
Instrument Date	Jul 2, 2020
Instrument	35604
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1540 25TH ST OCEANO CA 934459152, OCEANO, CA 93445-9152

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		$509,417 (+2%) Land $187,551 Building $321,866
2025	$5,590.00 (+4.68%) Homeowner's exemption	$499,429 (+4.04%) Land $183,874 Building $315,555
2023	$5,340.00 (+1.48%) Homeowner's exemption	$480,037 Land $176,735 Building $303,302
2022	$5,262.00

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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