1940 S Elm St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1940 S Elm St, Oceano, CA 93445

Property Summary

Property Type	Planned Unit Development
Details	2 bd · 1.5 ba · 1,022 sqft · built 1985
Lot Size	0.024 acres (1,022 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2017)
Tax Bill	$3,902 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062-134-011`

Property Details

APN / Parcel Number

Primary APN	`062-134-011`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,022 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Lot Area	1,022 sqft (0.024 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1940 S ELM ST
City	OCEANO
State	CA
Zip	93445-9146
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RMF
Legal Description	TR 1003 LT 11
Legal Subdivision	TRACT 1003
Legal Tract	1003
Legal Block	1
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1024
Census Tract	12202

Owner

1940 S Elm St, a planned unit development, is owned and occupied by an individual who bought it in August 2017.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	1940 S ELM ST, OCEANO, CA 93445-9146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Sep 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL COAST LENDING INC
Aug 22, 2017	Grant Deed, Transfer · FHA Mortgage CMG FINANCIAL
Jun 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2017 · Amount on File
Deed Sale	Aug 22, 2017 · Amount on File
Prior Sale	Nov 7, 2014 · Amount on File
Deed Document Number	201737429
Prior Transfer Date	Mar 28, 1994
Prior Transfer Doc	0000022201
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1940 S ELM ST, OCEANO, CA 93445-9146
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 S ELM ST, OCEANO, CA 93445-9146

Mortgage

Document Number	0000026692
Date	Sep 11, 2025
Instrument	2025026692

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 6, 2035

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1940 S ELM ST, OCEANO, CA 93445-9146
Transaction Type	Mortgage
Record Updated	Sep 28, 2022
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1940 S ELM ST, OCEANO, CA 93445-9146

Mortgage

Document Number	0000035890
Date	Sep 7, 2022
Instrument	2022035890

Lender

Name	CENTRAL COAST LENDING INC
Type	Mortgage Company
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 22, 2017
Property Address	1940 S ELM ST, OCEANO, CA 93445-9146
Document Number	0000037429
Map Reference	MB11 PG95
Instrument Date	Jul 26, 2017
Instrument	2017037429
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1940 S ELM ST, OCEANO, CA 93445-9146

Mortgage

Document Number	0000037430
Date	Aug 22, 2017
Instrument	2017037430

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 27, 2017
Property Address	1940 S ELM ST, OCEANO, CA 93445-9146
Document Number	0000028351
Instrument Date	Jun 2, 2017
Instrument	28351
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1940 S ELM ST OCEANO CA 934459146, OCEANO, CA 93445-9146

Tax Assessment & Valuation

The 2025 property tax bill for 1940 S Elm St was $3,902 with a homeowner's exemption.

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		$348,168 (+2%) Land $174,084 Building $174,084
2025	$3,902.00 Homeowner's exemption	$341,342 Land $170,671 Building $170,671
2023	$3,723.00 (+1.44%) Homeowner's exemption	$328,090 Land $164,045 Building $164,045
2022	$3,670.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1940 S Elm St in Zone X, an area of minimal flood risk.

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 File 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

The area around 1940 S Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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