2823 Cottage Ln, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 2823 Cottage Ln, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,481 sqft · built 2002
Lot Size	0.073 acres (3,163 sqft)
Owner	2 Individual Names on Record
Last Sale	$609,500 (Feb 2026)
Tax Bill	$5,562 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`025-802-021`

Property Details

APN / Parcel Number

Primary APN	`025-802-021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,481 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Wood
Lot Area	3,163 sqft (0.073 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Street Address	2823 COTTAGE LN
City	PASO ROBLES
State	CA
Zip	93446-6381
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY PR TR 2376 LT 35
Legal Subdivision	TRACT 2376
Legal Tract	2376
Legal Block	1
Legal Lot Number	35
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1042
Census Tract	10207

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	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 19, 2026	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 29, 2020	Grant Deed, Transfer · FHA Mortgage CENTRAL COAST LNDG
Jan 12, 2018	Grant Deed, Transfer · VA Mortgage PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2026 · Amount on Record
Deed Sale	Feb 19, 2026 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	20264969
Prior Transfer Date	Jun 18, 2013
Prior Transfer Doc	0000036773
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381

Mortgage

Document Number	0000007110
Date	Mar 17, 2025
Instrument	2025007110

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Feb 19, 2026
Property Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000004969
Map Reference	MB 19 PG 72
Instrument Date	Jan 13, 2026
Instrument	2026004969
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property
Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381

Mortgage

Document Number	0000004970
Date	Feb 19, 2026
Instrument	2026004970

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 29, 2020
Property Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000032216
Instrument Date	Jun 19, 2020
Instrument	32216
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$451.00
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	2823 COTTAGE LN PASO ROBLES CA 934466381, PASO ROBLES, CA 93446-6381

Mortgage

Document Number	32217
Date	Jun 29, 2020
Instrument	32217

Lender

Name	CENTRAL COAST LNDG
Address	MORRO BAY, CA 93442

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 12, 2018
Property Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000001302
Map Reference	MB19 PG72
Instrument Date	Dec 26, 2017
Instrument	2018001302
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	ROBLES, CA 00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2823 COTTAGE LN, PASO ROBLES, CA 93446-6381

Mortgage

Document Number	0000001303
Date	Jan 12, 2018
Instrument	2018001303

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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
Municipality	El Paso De Robles (Paso Robles) City
Unified School District	Paso Robles Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$457,357 (+2%) Land $200,791 Building $256,566
2025	$5,562.00 (+4.47%)	$448,390 (+4.04%) Land $196,854 Building $251,536
2023	$5,324.00 (+2.33%)	$430,980 Land $189,211 Building $241,769
2022	$5,203.00

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
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jan 2023 · Severe Winter Storms, Flooding, Landslides, And Mudslides

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	CITY OF PASO ROBLES WATER DIVISION serves 31,176 people · EPA ID CA4010007
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Ranch Wifi Fixed Wireless	100 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Cottage Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures