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1661 15th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1661 15th St, Oceano, CA 93445

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 968 sqft · built 1961
Lot Size0.09 acres (3,943 sqft)
OwnerIndividual Name on File
Last Sale$379,000 (Aug 2019)
Tax Bill$4,683 (2025)
Deeds & MortgagesOct 2021 Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN062-081-020

Property Details

APN / Parcel Number

Primary APN062-081-020

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Building Area968 sqft Living Area

Exterior

Year BuiltBuilt 1961
Construction TypeWood
Lot Area3,943 sqft (0.09 acres)
Parking Spaces1 Parking Space

Location & Zoning

Street Address1661 15TH ST
CityOCEANO
StateCA
Zip93445-9427
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRMF
Legal DescriptionTN OCEANO BL 8 PTN LTS 17 & 18
Legal SubdivisionOCEANO MAP 02
Legal Block8
Legal Lot Number17,18 18
JurisdictionSAN LUIS OBISPO CA
Township / Civil DivisionARROYO GRANDE
Census Block Group2
Census Block2052
Census Tract12201

Owner

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

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1661 15TH ST, OCEANO, CA 93445-9427
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Aug 27, 2019Grant Deed, Transfer · Conventional Mortgage
FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 27, 2019 · Amount on Record
Deed SaleAug 27, 2019 · Amount on Record
Prior SaleSep 12, 2016 · Amount on Record
Deed Document Number2019035355
Record UpdatedJun 7, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address1661 15TH ST, OCEANO, CA 93445-9427
Transaction TypeMortgage
Record UpdatedNov 17, 2021
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1661 15TH ST, OCEANO, CA 93445-9427

Mortgage

Document Number0000072395
DateOct 27, 2021
Instrument2021072395
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressBRECKSVILLE, OH 44141
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateAug 27, 2019
Property Address1661 15TH ST, OCEANO, CA 93445-9427
Document Number0000035355
Map ReferenceDOC 1999-057662
Instrument DateJul 17, 2019
Instrument2019035355
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1661 15TH ST, OCEANO, CA 93445-9427

Mortgage

Document Number0000035356
DateAug 27, 2019
Instrument2019035356
Lender
NameFLAGSTAR BANK FSB
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Luis Obispo County
Unified School DistrictLucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2025$4,683.00 (+4.74%) Homeowner's exemption$414,487 (+4.04%) Land $246,068 Building $168,419
2023$4,471.00 (+1.45%) Homeowner's exemption$398,394 Land $236,514 Building $161,880
2022$4,407.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 33 individual policies
Nearby Flood Policies89 units insured
incl. 56 condo units
Nearby Flood Claims2 (2010)
Most Recent ClaimDec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows
Claims by Event
  • Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

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 RiskNot rated
no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemOCEANO COMM SERVICES DIST.
serves 7,598 people · EPA ID CA4010005
Water SourcePurchased surface water from several systems
Last State InspectionJun 2024
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 552 locations within half a mile, as of December 31, 2025

ProviderMax 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: Peak WiFi, Radiate Holdings, Ranch WiFi, T-Mobile USA, Verizon.

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