2477 Beach St, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 2477 Beach St, Oceano, CA 93445

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,070 sqft · built 1994
Lot Size	0.021 acres (958 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Nov 2021)
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-131-033`

Property Details

APN / Parcel Number

Primary APN	`062-131-033`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,070 sqft Living Area

Exterior

Year Built	Built 1994
Construction Type	Wood
Lot Area	958 sqft (0.021 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	2477 BEACH ST
City	OCEANO
State	CA
Zip	93445-8500
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF
Legal Description	TR 1920 LT 9
Legal Subdivision	TRACT 1920
Legal Tract	1920
Legal Lot Number	9
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2022
Census Tract	12202

Owner

Source: San Luis Obispo County records, as of September 29, 2025

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	2477 BEACH ST, OCEANO, CA 93445-8500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARROWHEAD CU
Nov 22, 2021	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 22, 2019	Grant Deed, Transfer · Conventional Mortgage KINGS MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2021 · Amount on Record
Deed Sale	Nov 22, 2021 · Amount on Record
Prior Sale	Mar 22, 2019 · Amount on Record
Deed Document Number	2021077502
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2477 BEACH ST, OCEANO, CA 93445-8500
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL MCLPC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2477 BEACH ST, OCEANO, CA 93445-8500

Mortgage

Document Number	0000005140
Date	Feb 24, 2023
Instrument	2023005140

Lender

Name	ARROWHEAD CU
Type	Credit Union
Address	RANCHO CUCAMONGA, CA 91729

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 24, 2043

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 22, 2021
Property Address	2477 BEACH ST, OCEANO, CA 93445-8500
Document Number	0000077502
Map Reference	MB 16 PG 90
Instrument Date	Nov 3, 2021
Instrument	2021077502
Transaction Type	Transfer
Record Updated	Dec 7, 2021
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
Address	2477 BEACH ST, OCEANO, CA 93445-8500

Mortgage

Document Number	0000077503
Date	Nov 22, 2021
Instrument	2021077503

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 22, 2019
Property Address	2477 BEACH ST, OCEANO, CA 93445-8500
Document Number	0000010099
Map Reference	MB 16 PG 90
Instrument Date	Feb 19, 2019
Instrument	2019010099
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 2278, AVILA BEACH, CA 93424-2278

Mortgage

Document Number	0000010100
Date	Mar 22, 2019
Instrument	2019010100

Lender

Name	KINGS MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$4,790.00 (+4.75%) Homeowner's exemption	$424,482 (+4.04%) Land $212,241 Building $212,241
2023	$4,573.00 (+1.46%) Homeowner's exemption	$408,000 Land $204,000 Building $204,000
2022	$4,507.00

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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