2440 Ocean St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 2440 Ocean St, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1971
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (May 2019)
Tax Bill	$4,698 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`062-131-019`

Property Details

APN / Parcel Number

Primary APN	`062-131-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Wood
Lot Area	7,000 sqft (0.161 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	2440 OCEAN ST
City	OCEANO
State	CA
Zip	93445-8905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	TN OCEANO BL 22 LTS 12 & 13
Legal Subdivision	OCEANO MAP 02
Legal Block	22
Legal Lot Number	12,13
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2021
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	2 Individual Names on Record
Mailing Address	2440 OCEAN ST, OCEANO, CA 93445-8905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SESLOC FCU
Jun 12, 2020	Quit Claim Deed, Transfer CENTRAL COAST LNDG
Aug 20, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 15, 2019	Affidavit of Death, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
May 15, 2019	Grant Deed, Transfer · Conventional Mortgage CENTRAL COAST LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	May 31, 2002 · Amount on Record
Deed Document Number	201917926
Last Transfer Date	Jun 8, 2020
Transfer Doc	0000044279
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2440 OCEAN ST, OCEANO, CA 93445-8905
Transaction Type	Mortgage
Record Updated	Mar 11, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2440 OCEAN ST, OCEANO, CA 93445-8905

Mortgage

Document Number	0000005110
Date	Feb 28, 2024
Instrument	2024005110

Lender

Name	SESLOC FCU
Type	Credit Union
Address	SAN LUIS OBISPO, CA 93401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 12, 2020
Property Address	2440 OCEAN ST, OCEANO, CA 93445-8905
Document Number	0000028952
Instrument Date	Jun 8, 2020
Instrument	28952
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2440 OCEAN ST OCEANO CA 934458905, OCEANO, CA 93445-8905

Mortgage

Document Number	28953
Date	Jun 12, 2020
Instrument	28953

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 20, 2020
Property Address	2440 OCEAN ST, OCEANO, CA 93445-8905
Document Number	0000044279
Instrument Date	Jun 8, 2020
Instrument	44279
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2440 OCEAN ST OCEANO CA 934458905, OCEANO, CA 93445-8905

May 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 15, 2019
Property Address	2440 OCEAN ST, OCEANO, CA 93445-8905
Document Number	0000017925
Instrument Date	Apr 4, 2019
Instrument	17925
Transaction Type	Transfer
Record Updated	May 23, 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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 15, 2019
Property Address	2440 OCEAN ST, OCEANO, CA 93445-8905
Document Number	0000017926
Instrument Date	Apr 3, 2019
Instrument	17926
Transaction Type	Transfer
Record Updated	May 23, 2019
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	$401.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2440 OCEAN ST OCEANO CA 934458905, OCEANO, CA 93445-8905

Mortgage

Document Number	17927
Date	May 15, 2019
Instrument	17927

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

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		$424,226 (+2%) Land $256,008 Building $168,218
2025	$4,698.00 (+4.73%) Homeowner's exemption	$415,909 (+4.04%) Land $250,989 Building $164,920
2023	$4,486.00 (+1.47%) Homeowner's exemption	$399,761 Land $241,244 Building $158,517
2022	$4,421.00

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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