1610 24th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1610 24th St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,781 sqft · built 2015
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Dec 2015)
Tax Bill	$6,328 (2025)
Deeds & Mortgages	Nov 2019 Loan Modification Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-097-012`

Property Details

APN / Parcel Number

Primary APN	`062-097-012`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,781 sqft Living Area

Exterior

Year Built	Built 2015
Construction Type	Wood
Lot Area	6,098 sqft (0.139 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1610 24TH ST
City	OCEANO
State	CA
Zip	93445-9184
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN OCEANO BL 3 PTN LTS 1 TO 3
Legal Subdivision	OCEANO
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1008
Census Tract	12202

Owner

Source: San Luis Obispo County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1610 24TH ST, OCEANO, CA 93445-9184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Loan Modification, Mortgage · Conventional with PMI MID FIRST BK
Nov 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Apr 5, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2015 · Amount on Record
Deed Sale	Dec 31, 2015 · Amount on Record
Prior Sale	Dec 31, 2015 · Amount on Record
Deed Document Number	0000065553
Last Transfer Date	Apr 5, 2017
Transfer Doc	0000014870
Record Updated	Jun 8, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1610 24TH ST, OCEANO, CA 93445-9184
Document Number	0000054214
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 24TH ST OCEANO CA 934459184, OCEANO, CA 93445-9184

Mortgage

Document Number	0000054214
Date	Dec 4, 2019
Instrument	54214

Lender

Name	MID FIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	12 Months
Due	Dec 3, 2020

Interest

Rate Type	Fixed Rate
Rate	4%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1610 24TH ST, OCEANO, CA 93445-9184
Document Number	0000053958
Instrument Date	Nov 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 24TH ST OCEANO CA 934459184, OCEANO, CA 93445-9184

Mortgage

Document Number	0000053958
Date	Dec 3, 2019
Instrument	53958

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 5, 2017
Property Address	1610 24TH ST, OCEANO, CA 93445-9184
Document Number	0000014870
Instrument Date	Mar 30, 2017
Instrument	14870
Transaction Type	Transfer
Record Updated	Dec 16, 2019
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1610 24TH ST OCEANO CA 934459184, OCEANO, CA 93445-9184

Mortgage

Document Number	14871
Date	Apr 5, 2017
Instrument	14871

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.62%

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$6,328.00 (+4.66%) Homeowner's exemption	$568,448 (+4.04%) Land $236,756 Building $331,692
2023	$6,046.00 (+1.49%) Homeowner's exemption	$546,376 Land $227,563 Building $318,813
2022	$5,957.00

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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