2575 Ter Sands Ln, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 2575 Ter Sands Ln, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,027 sqft · built 2018
Lot Size	0.089 acres (3,895 sqft)
Owner	Company Name on Record
Last Sale	$900,000 (Oct 2022)
Tax Bill	$10,258 (2025)
Deeds & Mortgages	Feb 2023 Transfer Oct 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`062-074-027`

Property Details

APN / Parcel Number

Primary APN	`062-074-027`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,027 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Wood
Lot Area	3,895 sqft (0.089 acres)
Terrain	Other
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2575 TERRACE SANDS LN
City	OCEANO
State	CA
Zip	93445-9191
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 3059 LT 8
Legal Tract	3059
Legal Lot Number	8
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1010
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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 639, PISMO BEACH, CA 93448-0639
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Intrafamily Transfer, Transfer
Oct 28, 2022	Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Feb 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 23, 2020	Grant Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	0000042771
Last Transfer Date	Feb 3, 2023
Transfer Doc	0000003183
Record Updated	Jun 8, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 3, 2023
Property Address	2575 TERRACE SANDS LN, OCEANO, CA 93445-9191
Document Number	0000003183
Map Reference	MB 36 PG 71-75
Instrument Date	Jan 30, 2023
Instrument	2023003183
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	PO BOX 639, PISMO BEACH, CA 93448-0639

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 28, 2022
Property Address	2575 TERRACE SANDS LN, OCEANO, CA 93445-9191
Document Number	0000042771
Map Reference	MB 36 PG 71-75
Instrument Date	Oct 20, 2022
Instrument	2022042771
Transaction Type	Transfer
Record Updated	Nov 10, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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	PO BOX 639, PISMO BEACH, CA 93448-0639

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2575 TERRACE SANDS LN, OCEANO, CA 93445-9191
Transaction Type	Mortgage
Record Updated	Feb 17, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2575 TERRACE SANDS LN, OCEANO, CA 93445-9191

Mortgage

Document Number	0000006221
Date	Feb 9, 2022
Instrument	2022006221

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 23, 2020
Property Address	2575 TERRACE SANDS LN, OCEANO, CA 93445-9191
Document Number	0000014213
Map Reference	MB 36 PG 71-75
Instrument Date	Mar 20, 2020
Instrument	2020014213
Transaction Type	Transfer
Record Updated	Aug 9, 2021
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	2575 TERRACE SANDS LN, OCEANO, CA 93445-9191

Mortgage

Document Number	0000014214
Date	Mar 23, 2020
Instrument	2020014214

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	$10,258.00 (+4.59%) Homeowner's exemption	$936,360 (+4.04%) Land $338,130 Building $598,230
2023	$9,808.00 (+37.29%) Homeowner's exemption	$900,000 Land $325,000 Building $575,000
2022	$7,144.00

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
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.

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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