San Luis Obispo County property record for 1640 21st St, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,053 sqft · built 1943 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Mar 2022) |
| Tax Bill | $7,685 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-063-005 |
| Primary APN | 062-063-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,053 sqft Living Area |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Construction Type | Wood |
| Lot Area | 4,792 sqft (0.11 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1640 21ST ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | WHEELER SB BL 1 LT 1 |
| Legal Subdivision | WHEELERS |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| 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 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1640 21ST ST, OCEANO, CA 93445-9200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jul 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Mar 18, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Dec 8, 2017 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 10, 2018 | Grant Deed, Transfer PLACER TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2022 · Amount on File |
| Deed Sale | Mar 18, 2022 · Amount on File |
| Prior Sale | Oct 10, 2018 · Amount on File |
| Deed Document Number | 202212319 |
| Last Transfer Date | Apr 7, 2025 |
| Transfer Doc | 0000009994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1640 21ST ST, OCEANO, CA 93445-9200 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0000036035 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 2020036035 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 18, 2022 |
| Property Address | 1640 21ST ST, OCEANO, CA 93445-9200 |
| Document Number | 0000012319 |
| Map Reference | MB 3 PG 83 |
| Instrument Date | May 22, 2021 |
| Instrument | 2022012319 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1640 21ST ST, OCEANO, CA 93445-9200 |
| Document Number | 0000012320 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 2022012320 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 8, 2017 |
| Property Address | 1640 21ST ST, OCEANO, CA 93445-9200 |
| Document Number | 0000056342 |
| Map Reference | MB3 PG83 |
| Instrument Date | Nov 22, 2017 |
| Instrument | 2017056342 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| 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 |
| Address | 113 S RENA ST, ARROYO GRANDE, CA 93420-3265 |
| Document Number | 0000056343 |
|---|---|
| Date | Dec 8, 2017 |
| Instrument | 2017056343 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Oct 10, 2018 |
| Property Address | 1640 21ST ST, OCEANO, CA 93445-9200 |
| Document Number | 0000041888 |
| Instrument Date | Nov 22, 2017 |
| Instrument | 41888 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | PLACER TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $594.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 113 S RENA ST ARROYO GRANDE CA 934203265, ARROYO GRANDE, CA 93420-3265 |
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 | $709,405 (+2%) Land $357,110 Building $352,295 | |
| 2025 | $7,685.00 (+4.63%) Homeowner's exemption | $695,496 (+4.04%) Land $350,108 Building $345,388 |
| 2023 | $7,345.00 (+51.19%) Homeowner's exemption | $668,491 Land $336,514 Building $331,977 |
| 2022 | $4,858.00 |
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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