1645 23rd St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1645 23rd St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,416 sqft · built 1983
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,467 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-072-027`

Property Details

APN / Parcel Number

Primary APN	`062-072-027`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,416 sqft Living Area
1st Floor Area	2,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	9,450 sqft (0.217 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	1645 23RD ST
City	OCEANO
State	CA
Zip	93445-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	PM 31/45 PAR 3
Legal Subdivision	PARCEL MAP CO 80-178
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1006
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	2 Individual Names on Record
Mailing Address	PO BOX 935, OCEANO, CA 93475-0935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Nov 22, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 27, 2015
Transfer Doc	0000008597
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1645 23RD ST, OCEANO, CA 93445-9108
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1645 23RD ST, OCEANO, CA 93445

Mortgage

Document Number	0000008072
Date	Feb 2, 2021
Instrument	2021008072

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1645 23RD ST, OCEANO, CA 93445-9108
Document Number	0000054878
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1645 23RD ST OCEANO CA 93445, OCEANO, CA 93445

Mortgage

Document Number	0000054878
Date	Nov 30, 2017
Instrument	54878

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2047

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		$211,149 (+2%) Land $53,865 Building $157,284
2025	$2,467.00 (+4.98%) Homeowner's exemption	$207,009 (+4.04%) Land $52,809 Building $154,200
2023	$2,350.00 (+1.42%) Homeowner's exemption	$198,972 Land $50,759 Building $148,213
2022	$2,317.00

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	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 887 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, Verizon.

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