2431 Ocean St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 2431 Ocean St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1979
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$766,000 (Nov 2023)
Tax Bill	$8,597 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-102-016`

Property Details

APN / Parcel Number

Primary APN	`062-102-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2431 OCEAN ST
City	OCEANO
State	CA
Zip	93445-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN OCEANO BL 19 LTS 22&23
Legal Subdivision	OCEANO MAP 02
Legal Block	19
Legal Lot Number	22,23
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2014
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	2431 OCEAN ST, OCEANO, CA 93445-8906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 14, 2022	Grant Deed, Transfer
Mar 1, 2022	Grant Deed, Transfer · Conventional Mortgage COUNTRY CLUB MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2023 · Amount on Record
Deed Sale	Nov 9, 2023 · Amount on Record
Prior Sale	Mar 1, 2022 · Amount on Record
Deed Document Number	202333952
Record Updated	Oct 29, 2026

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 9, 2023
Property Address	2431 OCEAN ST, OCEANO, CA 93445-8906
Document Number	0000033952
Map Reference	MB A PG 148
Instrument Date	Oct 25, 2023
Instrument	2023033952
Transaction Type	Transfer
Record Updated	Nov 22, 2023
Title Company	FIRSTAMERICAN 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	Community Property with Right of Survivorship
Address	1539 8TH ST, ALAMEDA, CA 94501-3439

Mortgage

Document Number	0000033953
Date	Nov 9, 2023
Instrument	2023033953

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 14, 2022
Property Address	2431 OCEAN ST, OCEANO, CA 93445-8906
Document Number	0000044764
Map Reference	MB A PG 148
Instrument Date	Sep 24, 2022
Instrument	2022044764
Transaction Type	Transfer
Record Updated	Nov 24, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2431 OCEAN ST, OCEANO, CA 93445-8906

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 1, 2022
Property Address	2431 OCEAN ST, OCEANO, CA 93445-8906
Document Number	0000009261
Map Reference	MB A PG 148
Instrument Date	Feb 9, 2022
Instrument	2022009261
Transaction Type	Transfer
Record Updated	Mar 9, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	Community Property with Right of Survivorship

Mortgage

Document Number	0000009262
Date	Mar 1, 2022
Instrument	2022009262

Lender

Name	COUNTRY CLUB MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

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		$796,530 (+2%) Land $494,190 Building $302,340
2025	$8,597.00 (+20.34%) Homeowner's exemption	$780,912 (+21.52%) Land $484,500 Building $296,412
2023	$7,144.00 (+106.77%)	$642,600 Land $433,500 Building $209,100
2022	$3,455.00

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	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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