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1981 Ocean St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1981 Ocean St, Oceano, CA 93445 · Last verified January 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1953
Square Footage1,885 sqft Living Area
Lot Size6,970 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$890,000 (2025)
Tax Bill$5,931.00 (2025)

Property Details

APN / Parcel Number

Primary APN062-088-022

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Building Area1,885 sqft Living Area
Stories1 Stories

Exterior

Year BuiltBuilt 1953
Construction TypeWood Construction
Lot Area6,970 sqft (0.16 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address1981 OCEAN ST
CityOCEANO
StateCA
Zip93445-9011
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionTN OCEANO BL 15 LTS 27& 2
Legal SubdivisionOCEANO
Legal Block15
Legal Lot Number2,27 2
JurisdictionSAN LUIS OBISPO CA
Minor Civil DivisionARROYO GRANDE
Census Blockgroup2
Census Block2055
Census Tract12201

Owner

Source: San Luis Obispo County records · APN 062-088-022

Assessment roll updated July 1, 2025 · Last verified January 2026

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 Address1981 OCEAN ST, OCEANO, CA 93445-9011
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 15, 2023Deed of Trust, Mortgage · Line of Credit
UNITED WHOLESALE MORTGAGE
Dec 01, 2025Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
CHERRY CREEK MORTGAGE CO INC
Dec 04, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 01, 2025 · Amount on Record
Deed SaleDec 01, 2025 · Amount on Record
Prior SaleMay 19, 2005
Deed Doc Number2025036829
Record RefreshedJun 08, 2026

May 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address1981 OCEAN ST, OCEANO, CA 93445-9011
Transaction TypeMortgage
Record UpdatedJan 06, 2026
Title CompanyPLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1981 OCEAN ST, OCEANO, CA 93445-9011

Mortgage

Document Number0000013420
DateMay 15, 2023
Instrument2023013420
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeLine of Credit
AmountAmount Recorded
Term361 Months
DueJun 01, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

December 2025: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN LUIS OBISPO CA
Recording DateDec 01, 2025
Property Address1981 OCEAN ST, OCEANO, CA 93445-9011
Document Number0000036829
Map ReferenceMB A PG 148
Instrument DateNov 03, 2025
Instrument2025036829
Transaction TypeTransfer
Record UpdatedJan 06, 2026
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property (Marital Community) with Rights of Survivorship
Address1981 OCEAN ST, OCEANO, CA 93445-9011

Mortgage

Document Number0000036830
DateDec 01, 2025
Instrument2025036830
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2055

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address1981 OCEAN ST, OCEANO, CA 93445-9011
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTICOR TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1981 OCEAN ST, OCEANO, CA 93445-9011

Mortgage

Document Number0000005564
DateJan 25, 2021
Instrument2021005564
Lender
NameCHERRY CREEK MORTGAGE CO INC
TypeMortgage Company
AddressENGLEWOOD, CO 80111
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN LUIS OBISPO CA
Property Address1981 OCEAN ST, OCEANO, CA 93445-9011
Document Number0000056927
Instrument DateDec 04, 2017
Transaction TypeMortgage
Record UpdatedJan 03, 2018
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1981 OCEAN ST OCEANO CA 934459011, OCEANO, CA 93445-9011

Mortgage

Document Number0000056927
DateDec 12, 2017
Instrument56927
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 11, 2047

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$5,931.00 (+4.68%) Homeowner's exemption$531,288 (+4.04%) Land $195,514 Building $335,774
2023$5,666.00 (+1.49%) Homeowner's exemption$510,660 Land $187,923 Building $322,737
2022$5,583.00

Flood & Wildfire

1981 Ocean St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · San Luis Obispo County (06079C), updated July 22, 2025

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

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