2428 Paso Robles St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 2428 Paso Robles St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,168 sqft · built 1935
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Dec 2024)
Tax Bill	$7,335 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062-102-003`

Property Details

APN / Parcel Number

Primary APN	`062-102-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
1st Floor Area	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Multi-Family
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2428 PASO ROBLES ST
City	OCEANO
State	CA
Zip	93445-9117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSFA
Legal Description	TN OCEANO BL 19 LT 13&14
Legal Subdivision	TOWN/OCEANO
Legal Block	19
Legal Lot Number	13,14
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2013
Census Tract	12202

Owner

2428 Paso Robles St is owned and occupied by two individuals who acquired it in March 2026.

Source: San Luis Obispo County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 9, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jul 26, 2019	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Jul 26, 2019	Grant Deed, Transfer · FHA Mortgage COASTAL FUNDING SLC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2024 · Amount on File
Deed Sale	Dec 6, 2024 · Amount on File
Prior Sale	Jul 26, 2019 · Amount on File
Deed Document Number	202435883
Last Transfer Date	Mar 2, 2026
Transfer Doc	0000006945
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117
Transaction Type	Mortgage
Record Updated	Mar 23, 2026
Title Company	STATES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117

Mortgage

Document Number	0000065815
Date	Sep 28, 2021
Instrument	2021065815

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 9, 2026
Property Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117
Document Number	0000006945
Map Reference	MB A PG 148
Instrument Date	Mar 2, 2026
Instrument	2026006945
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Community Property
Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117

Mortgage

Document Number	0000006946
Date	Mar 9, 2026
Instrument	2026006946

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 26, 2019
Property Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117
Document Number	0000030165
Instrument Date	Jun 24, 2019
Instrument	30165
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11293 N CUTLASS ST HAYDEN LAKE ID 838358654, HAYDEN LAKE, ID 83835-8654

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 26, 2019
Property Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117
Document Number	0000030166
Map Reference	MB A PG 147
Instrument Date	Jun 19, 2019
Instrument	2019030166
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	2428 PASO ROBLES ST, OCEANO, CA 93445-9117

Mortgage

Document Number	0000030167
Date	Jul 26, 2019
Instrument	2019030167

Lender

Name	COASTAL FUNDING SLC INC
Type	Mortgage Company
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2428 Paso Robles St was $7,335.

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		$637,500 (+2%) Land $433,500 Building $204,000
2025	$7,335.00	$625,000 Land $425,000 Building $200,000
2023	$4,639.00 (+1.33%)	$378,421 Land $236,514 Building $141,907
2022	$4,578.00

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

Flood

FEMA maps place 2428 Paso Robles St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2428 Paso Robles St is low, with less than a 0.01% annual chance of wildfire.

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.

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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