2585 Lara Ln, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 2585 Lara Ln, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,406 sqft · built 1995
Lot Size	0.142 acres (6,180 sqft)
Owner	2 Individual Names on Record
Last Sale	$483,000 (Jul 2017)
Tax Bill	$6,126 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-104-013`

Property Details

APN / Parcel Number

Primary APN	`062-104-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,406 sqft Living Area
1st Floor Area	1,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Wood
Lot Area	6,180 sqft (0.142 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2585 LARA LN
City	OCEANO
State	CA
Zip	93445-9188
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF
Legal Description	PM 50-65 PAR 11
Legal Subdivision	PARCEL MAP COAL 89-332
Legal Block	1
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	1
Census Block	1013
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	2585 LARA LN, OCEANO, CA 93445-9188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2020	Quit Claim Deed, Transfer MR COOPER
Jul 14, 2017	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2017 · Amount on Record
Deed Sale	Jul 14, 2017 · Amount on Record
Prior Sale	Jun 6, 2005 · Amount on Record
Deed Document Number	201730762
Prior Transfer Date	Feb 20, 1997
Prior Transfer Doc	0000009884
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 10, 2020
Property Address	2585 LARA LN, OCEANO, CA 93445-9188
Document Number	0000028134
Instrument Date	Jun 1, 2020
Instrument	28134
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	TITLE365/RECORDING DEPT

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	2585 LARA LN OCEANO CA 934459188, OCEANO, CA 93445-9188

Mortgage

Document Number	28135
Date	Jun 10, 2020
Instrument	28135

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 14, 2017
Property Address	2585 LARA LN, OCEANO, CA 93445-9188
Document Number	0000030762
Map Reference	MB50 PG65
Instrument Date	Jun 6, 2017
Instrument	2017030762
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STEWART TITLE

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	Tenants in Common
Address	2528 LARA LN, OCEANO, CA 93445-9187
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030763
Date	Jul 14, 2017
Instrument	2017030763

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

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		$560,558 (+2%) Land $319,160 Building $241,398
2025	$6,126.00 (+3.5%) Homeowner's exemption	$549,567 (+4.04%) Land $312,902 Building $236,665
2024	$5,919.00 (+1.13%)
2023	$5,853.00 (+1.49%) Homeowner's exemption	$528,228 Land $300,752 Building $227,476
2022	$5,767.00

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	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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