San Luis Obispo County property record for 1995 Henderson Ln, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,294 sqft · built 1987 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $342,500 (Sep 2003) |
| Tax Bill | $5,457 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-305-037 |
| Primary APN | 062-305-037 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,294 sqft Living Area |
| 1st Floor Area | 1,294 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Wood |
| Lot Area | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 1995 HENDERSON LN |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-8967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TR 1263 LT 1 |
| Legal Subdivision | TRACT 1263 |
| Legal Tract | 1263 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 12202 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Halcyon Historic District listed 2017 · 38 contributing resources · NRIS 100000783 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 1995 HENDERSON LN, OCEANO, CA 93445-8967 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2003 · Amount on Record |
| Deed Sale | Sep 19, 2003 · Amount on Record |
| Prior Sale | Aug 7, 2001 · Amount on Record |
| Deed Document Number | 2003108152 |
| Last Transfer Date | Nov 9, 2020 |
| Transfer Doc | 0000070836 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Dec 2, 2020 |
| Property Address | 1995 HENDERSON LN, OCEANO, CA 93445-8967 |
| Document Number | 0000070836 |
| Map Reference | MB 13 PG 79 |
| Instrument Date | Nov 9, 2020 |
| Instrument | 2020070836 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | BOSTON NATIONAL TTL AGCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Investor | Possibly a Property Investor |
| Document Number | 0000070837 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 2020070837 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 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 | $496,682 (+2%) Land $275,532 Building $221,150 | |
| 2025 | $5,457.00 (+4.7%) Homeowner's exemption | $486,944 (+4.04%) Land $270,130 Building $216,814 |
| 2023 | $5,212.00 (+1.46%) Homeowner's exemption | $468,038 Land $259,642 Building $208,396 |
| 2022 | $5,137.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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