San Luis Obispo County property record for 1610 21st St, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,368 sqft · built 1972 |
| Lot Size | 0.111 acres (4,850 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $5,269 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-063-008 |
| Primary APN | 062-063-008 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,368 sqft Living Area |
| 1st Floor Area | 2,368 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Wood |
| Lot Area | 4,850 sqft (0.111 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Street Address | 1610 21ST ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | WHEELER SB BL 1 LT 4 |
| Legal Subdivision | WHEELERS |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 12201 |
Source: San Luis Obispo County records, as of August 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Balloon Mortgage LAWYERS TITLE |
| Jun 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage NATIONS DIRECT MORTGAGE, LLC |
| Dec 24, 2025 | Deed of Trust, Mortgage · Commercial Mortgage RILIAN BALL |
| Nov 19, 2025 | Deed of Trust, Mortgage · Commercial Mortgage LYNDAL WOODWARD ETAL |
| Dec 20, 2021 | Deed of Trust, Mortgage · Line of Credit COASTHILLS CU |
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Aug 14, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2020 |
| Deed Sale | Aug 14, 2020 |
| Prior Sale | Aug 19, 2014 · Amount on Record |
| Deed Document Number | 202042765 |
| Last Transfer Date | Jun 24, 2025 |
| Transfer Doc | 0000019060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jun 29, 2026 |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000020226 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202620226 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Investor | Possibly a Property Investor |
| Document Number | 0000020226, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 202620226 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2036 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.53% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jun 23, 2026 |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000019630 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202619630 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ATLAS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019630, |
|---|---|
| Date | Jun 23, 2026 |
| Instrument | 202619630 |
| Name | NATIONS DIRECT MORTGAGE, LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000039694 |
|---|---|
| Date | Dec 24, 2025 |
| Instrument | 2025039694 |
| Name | RILIAN BALL |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000035710 |
|---|---|
| Date | Nov 19, 2025 |
| Instrument | 2025035710 |
| Name | LYNDAL WOODWARD ETAL |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000082562 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021082562 |
| Name | COASTHILLS CU |
|---|---|
| Type | Credit Union |
| Address | SANTA MARIA, CA 93454 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000062312 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021062312 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 14, 2020 |
| Property Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000042765 |
| Map Reference | MB 3 PG 83 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 2020042765 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PLACER TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 1610 21ST ST, OCEANO, CA 93445-9207 |
| Document Number | 0000042766 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 2020042766 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $678,743 (+90.52%) Land $156,291 Building $522,452 | |
| 2025 | $5,269.00 (+38.48%) | $356,257 (+6.09%) Land $153,227 Building $203,030 |
| 2023 | $3,805.00 (+1.44%) Homeowner's exemption | $335,793 Land $147,278 Building $188,515 |
| 2022 | $3,751.00 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 487 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.
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