San Luis Obispo County property record for 2580 Lara Ln, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,405 sqft · built 1994 |
| Lot Size | 0.176 acres (7,660 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $525,000 (Mar 2019) |
| Tax Bill | $6,511 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-104-029 |
| Primary APN | 062-104-029 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,405 sqft Living Area |
| 1st Floor Area | 1,405 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Wood |
| Lot Area | 7,660 sqft (0.176 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 2580 LARA LN |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9188 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF |
| Legal Description | TN OCEANO PM 50-65 PAR 8 & PTN ABD RD |
| Legal Subdivision | PARCEL MAP COAL 89 332 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 12202 |
2580 Lara Ln is owned and occupied by two individuals who bought it in March 2019.
Source: San Luis Obispo County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2580 LARA LN, OCEANO, CA 93445-9188 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jan 29, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 26, 2019 | Grant Deed, Transfer · VA Mortgage MASON MCDUFFIE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2019 · Amount on File |
| Deed Sale | Mar 26, 2019 · Amount on File |
| Prior Sale | Oct 27, 1994 · Amount on File |
| Deed Document Number | 201910630 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2580 LARA LN, OCEANO, CA 93445-9188 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE CONNECT INC |
| Name | Verified Name |
|---|---|
| Address | 2580 LARA LN, OCEANO, CA 93445-9188 |
| Document Number | 0000058081 |
|---|---|
| Date | Oct 16, 2020 |
| Instrument | 2020058081 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2580 LARA LN, OCEANO, CA 93445-9188 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000004705 |
|---|---|
| Date | Jan 29, 2020 |
| Instrument | 2020004705 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Mar 26, 2019 |
| Property Address | 2580 LARA LN, OCEANO, CA 93445-9188 |
| Document Number | 0000010630 |
| Map Reference | MB 50 PG 65 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 2019010630 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 2580 LARA LN, OCEANO, CA 93445-9188 |
| Document Number | 0000010631 |
|---|---|
| Date | Mar 26, 2019 |
| Instrument | 2019010631 |
| Name | MASON MCDUFFIE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 2580 Lara Ln was $6,511 with a homeowner's exemption.
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Lucia Mar Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $597,354 (+2%) Land $312,901 Building $284,453 | |
| 2025 | $6,511.00 Homeowner's exemption | $585,642 Land $306,766 Building $278,876 |
| 2023 | $6,221.00 (+1.47%) Homeowner's exemption | $562,902 Land $294,854 Building $268,048 |
| 2022 | $6,131.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2580 Lara Ln 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 |
| Flood Insurance Cost | Premium on File 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.
The area around 2580 Lara Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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