San Luis Obispo County property record for 1982 S Elm St, Oceano, CA 93445
| Property Type | Planned Unit Development |
|---|---|
| Details | 2 bd · 1.5 ba · 1,224 sqft · built 1985 |
| Lot Size | 0.028 acres (1,224 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $291,000 (Sep 2016) |
| Tax Bill | $3,938 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-134-003 |
| Primary APN | 062-134-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Lot Area | 1,224 sqft (0.028 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1982 S ELM ST |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9147 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Planned Unit Development |
| Local Zoning Code | RMF |
| Legal Description | TR 1003 LT 3 |
| Legal Subdivision | TRACT 1003 |
| Legal Tract | 1003 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 12202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1982 S ELM ST, OCEANO, CA 93445-9147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2016 · Amount on Record |
| Deed Sale | Sep 8, 2016 · Amount on Record |
| Prior Sale | Feb 20, 2015 · Amount on Record |
| Deed Document Number | 201644625 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 1982 S ELM ST, OCEANO, CA 93445-9147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1982 S ELM ST, OCEANO, CA 93445-9147 |
| Document Number | 0000067352 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 2020067352 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 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 | Lucia Mar Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $344,480 (+2%) Land $159,809 Building $184,671 | |
| 2025 | $3,938.00 (+4.71%) | $337,726 (+4.04%) Land $156,676 Building $181,050 |
| 2023 | $3,761.00 (+1.4%) | $324,613 Land $150,593 Building $174,020 |
| 2022 | $3,709.00 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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 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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