San Luis Obispo County property record for 2828 Cottage Ln, Paso Robles, CA 93446
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,339 sqft · built 2005 |
| Lot Size | 0.073 acres (3,162 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $618,000 (Feb 2026) |
| Tax Bill | $5,878 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 025-803-005 |
| Primary APN | 025-803-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,339 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Wood |
| Lot Area | 3,162 sqft (0.073 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 2828 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 45 |
| Legal Subdivision | TRACT 2376 |
| Legal Tract | 2376 |
| Legal Block | 1 |
| Legal Lot Number | 45 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | PASO ROBLES |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 10207 |
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 | 2828 COTTAGE LN, PASO ROBLES, CA 93446-6381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 13, 2026 | Grant Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Aug 26, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2026 · Amount on Record |
| Deed Sale | Feb 13, 2026 · Amount on Record |
| Deed Document Number | 20264389 |
| Prior Transfer Date | Aug 18, 2020 |
| Prior Transfer Doc | 0000045472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Feb 13, 2026 |
| Property Address | 2828 COTTAGE LN, PASO ROBLES, CA 93446-6381 |
| Document Number | 0000004389 |
| Map Reference | MB 19 PG 72 |
| Instrument Date | Jan 29, 2026 |
| Instrument | 2026004389 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2828 COTTAGE LN, PASO ROBLES, CA 93446-6381 |
| Document Number | 0000004390 |
|---|---|
| Date | Feb 13, 2026 |
| Instrument | 2026004390 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Property Address | 2828 COTTAGE LN, PASO ROBLES, CA 93446-6381 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | PREMIUM TITLE |
| Name | Verified Name |
|---|---|
| Address | 1812 BELLA VISTA CT, PASO ROBLES, CA 93446-6374 |
| Document Number | 0000049930 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 2020049930 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Aug 26, 2020 |
| Property Address | 2828 COTTAGE LN, PASO ROBLES, CA 93446-6381 |
| Document Number | 0000045472 |
| Instrument Date | Aug 18, 2020 |
| Instrument | 45472 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1812 BELLA VISTA CT PASO ROBLES CA 934466374, PASO ROBLES, CA 93446-6374 |
Source: San Luis Obispo County assessment roll, as of August 6, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $486,455 (+2%) Land $202,109 Building $284,346 | |
| 2025 | $5,878.00 (+2.08%) | $476,918 (+4.04%) Land $198,147 Building $278,771 |
| 2024 | $5,758.00 (+2.27%) | |
| 2023 | $5,630.00 (+2.29%) | $458,400 Land $190,453 Building $267,947 |
| 2022 | $5,504.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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 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.
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