1986 25th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1986 25th St, Oceano, CA 93445

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 900 sqft · built 1984
Lot Size	0.021 acres (900 sqft)
Owner	Individual Name on Record
Last Sale	$465,000 (Feb 2025)
Tax Bill	$3,868 (2025)
Deeds & Mortgages	Sep 2021 Transfer Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062-132-003`

Property Details

APN / Parcel Number

Primary APN	`062-132-003`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	900 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	900 sqft (0.021 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	1986 25TH ST
City	OCEANO
State	CA
Zip	93445-8958
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF
Legal Description	TR 1006 UNIT 3 & PTN LT A
Legal Subdivision	TRACT 1006 UN 03
Legal Tract	1006
Legal Block	2
Legal Lot Number	A
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2029
Census Tract	12202

Owner

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	1986 25TH ST, OCEANO, CA 93445-8958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Intrafamily Transfer, Transfer
Nov 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEW WAVE LENDING GROUP INC
Dec 28, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 13, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	20255406
Prior Transfer Date	Aug 12, 2021
Prior Transfer Doc	0000063859
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 17, 2021
Property Address	1986 25TH ST, OCEANO, CA 93445-8958
Document Number	0000063859
Map Reference	MB 11 PG 41
Instrument Date	Aug 12, 2021
Instrument	2021063859
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	1986 25TH ST, OCEANO, CA 93445-8958

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1986 25TH ST, OCEANO, CA 93445-8958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049130
Date	Nov 5, 2019
Instrument	2019049130

Lender

Name	NEW WAVE LENDING GROUP INC
Type	Non-Lending Institution
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2039

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 28, 2020
Property Address	1986 25TH ST, OCEANO, CA 93445-8958
Document Number	0000077163
Map Reference	MB 11 PG 41
Instrument Date	Nov 23, 2020
Instrument	2020077163
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	1986 25TH ST, OCEANO, CA 93445-8958

Mortgage

Document Number	0000077164
Date	Dec 28, 2020
Instrument	2020077164

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1986 25TH ST, OCEANO, CA 93445-8958
Document Number	0000008662
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1986 25TH ST #3 OCEANO CA 934458958, 3, OCEANO, CA 93445-8958

Mortgage

Document Number	0000008662
Date	Feb 24, 2020
Instrument	8662

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$474,300 (+43.2%) Land $280,500 Building $193,800
2025	$3,868.00 (+4.71%)	$331,222 (+4.04%) Land $162,364 Building $168,858
2023	$3,694.00 (+1.4%)	$318,362 Land $156,060 Building $162,302
2022	$3,643.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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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