1992 24th St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 1992 24th St, Oceano, CA 93445

Property Summary

Property Type	Planned Unit Development
Details	3 bd · 2.5 ba · 1,308 sqft · built 2007
Lot Size	0.062 acres (2,700 sqft)
Owner	Company Name on Record
Last Sale	$456,000 (Aug 2018)
Tax Bill	$5,763 (2025)
Deeds & Mortgages	Aug 2021 Transfer Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`062-123-038`

Property Details

APN / Parcel Number

Primary APN	`062-123-038`
Alternative APN	`062123023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,308 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Lot Area	2,700 sqft (0.062 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	1992 24TH ST
City	OCEANO
State	CA
Zip	93445-8907
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Planned Unit Development
Local Zoning Code	RMF
Legal Description	PM 70/14-16 LT 2
Legal Subdivision	MAP 07-0201
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2031
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	Company Name on Record
Mailing Address	1992 24TH ST, OCEANO, CA 93445-8907
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Intrafamily Transfer, Transfer
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LENDING GROUP INC
Mar 16, 2020	Deed of Trust, Mortgage · Conventional with PMI SOVEREIGN LNDG
Jun 21, 2019	Deed of Trust, Mortgage SOVEREIGN LNDG
Aug 30, 2018	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Nov 18, 2011 · Amount on Record
Deed Document Number	201836027
Last Transfer Date	Sep 26, 2019
Transfer Doc	0000065223
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 30, 2021
Property Address	1992 24TH ST, OCEANO, CA 93445-8907
Document Number	0000059852
Map Reference	MB 70 PG 14-16
Instrument Date	Aug 24, 2021
Instrument	2021059852
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 Trust
Address	1992 24TH ST, OCEANO, CA 93445-8907

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1992 24TH ST, OCEANO, CA 93445-8907
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	TIMIOS TITLE AND ESCROW, TIMIOS TITLE A CA CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1992 24TH ST, OCEANO, CA 93445-8907

Mortgage

Document Number	0000055989
Date	Aug 11, 2021
Instrument	2021055989

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1992 24TH ST, OCEANO, CA 93445-8907
Document Number	0000015006
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	May 1, 2020
Title Company	UNISOURCE TITLE INSURANCE-IRVINE, UNISOURCE TITLE INS-IRVINE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1992 24TH ST OCEANO CA 934458907, OCEANO, CA 93445-8907

Mortgage

Document Number	0000015006
Date	Mar 27, 2020
Instrument	15006

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	1992 24TH ST, OCEANO, CA 93445-8907
Document Number	0000025108
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	UNISOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1992 24TH ST OCEANO CA 934458907, OCEANO, CA 93445-8907

Mortgage

Document Number	0000025108
Date	Jun 28, 2019
Instrument	25108

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 30, 2018
Property Address	1992 24TH ST, OCEANO, CA 93445-8907
Document Number	0000036027
Instrument Date	Aug 8, 2018
Instrument	36027
Transaction Type	Transfer
Record Updated	Sep 11, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$501.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1992 24TH ST OCEANO CA 934458907, OCEANO, CA 93445-8907

Mortgage

Document Number	36028
Date	Aug 30, 2018
Instrument	36028

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2048

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		$518,730 (+2%) Land $250,320 Building $268,410
2025	$5,763.00 (+4.63%)	$508,560 (+4.04%) Land $245,412 Building $263,148
2023	$5,508.00 (+1.46%)	$488,814 Land $235,883 Building $252,931
2022	$5,429.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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