San Luis Obispo County property record for 188 Front St, Avila Beach, CA 93424
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,133 sqft · built 1996 |
| Lot Size | 0.056 acres (2,437 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $6,589 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 076-224-008 |
| Primary APN | 076-224-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,133 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Construction Type | Wood |
| Lot Area | 2,437 sqft (0.056 acres) |
| Terrain | Above Road/Slope |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 188 FRONT ST |
|---|---|
| City | AVILA BEACH |
| State | CA |
| Zip | 93424 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMF |
| Legal Description | TN AVILA BL 16 PTN LTS 11 & 12 |
| Legal Subdivision | AVILA |
| Legal Block | 16 |
| Legal Lot Number | 11,12 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | SAN LUIS OBISPO |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 11600 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 647, EL CENTRO, CA 92244-0647 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 7, 2010 |
| Transfer Doc | 0000018075 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 188 FRONT ST, AVILA BEACH, CA 93424 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000043279 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 2020043279 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEWISVILLE, TX 75057 |
| Type | Conventional 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 | San Luis Coastal Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $607,590 (+2%) Land $304,035 Building $303,555 | |
| 2025 | $6,589.00 (+3.42%) | $595,677 (+4.04%) Land $298,074 Building $297,603 |
| 2023 | $6,371.00 (+6.66%) | $572,548 Land $286,500 Building $286,048 |
| 2022 | $5,973.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 7 (1978–2023) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 73% of California |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect 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 | AVILA BEACH COMMUNITY SERVICES DISTRICT serves 1,630 people · EPA ID CA4000222 |
|---|---|
| Water Source | Purchased surface water from LOPEZ PROJECT |
| Last State Inspection | Nov 2024 |
| Lead | 1 ppb (2023–2025) 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 189 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Astound Broadband, T-Mobile.
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