2843 Cottage Ln, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 2843 Cottage Ln, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,481 sqft · built 2005
Lot Size	0.073 acres (3,163 sqft)
Owner	Individual Name on Record
Last Sale	$628,000 (May 2025)
Tax Bill	$7,466 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`025-802-025`

Property Details

APN / Parcel Number

Primary APN	`025-802-025`

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 2005
Effective Year Built	Effective 2005
Construction Type	Concrete
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	2843 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 39
Legal Subdivision	TRACT 2376
Legal Tract	2376
Legal Block	1
Legal Lot Number	39
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	Individual Name on Record
Mailing Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Mar 4, 2024	Grant Deed, Transfer · Conventional Mortgage USAA FSB
Jul 20, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Sep 10, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Jan 6, 2017	Grant Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Mar 4, 2024 · Amount on Record
Deed Document Number	202512610
Prior Transfer Date	Feb 26, 2024
Prior Transfer Doc	0000005618
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 4, 2024
Property Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000005618
Map Reference	MB 19 PG 72
Instrument Date	Feb 26, 2024
Instrument	2024005618
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	PLACER TITLE COMPANY

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
Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 4, 2024
Property Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000005617
Map Reference	MB 19 PG 72
Instrument Date	Feb 26, 2024
Instrument	2024005617
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	PLACER 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
Relationship	Community Property
Address	638 MELODY ST, BUFFALO, WY 82834-2612

Mortgage

Document Number	0000005619
Date	Mar 4, 2024
Instrument	2024005619

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 20, 2020
Property Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000036687
Instrument Date	Jun 18, 2020
Instrument	36687
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2843 COTTAGE LN PASO ROBLES CA 934466381, PASO ROBLES, CA 93446-6381

Mortgage

Document Number	36688
Date	Jul 20, 2020
Instrument	36688

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 10, 2019
Property Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000038021
Instrument Date	Apr 24, 2019
Instrument	38021
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	PO BOX 4523 PASO ROBLES CA 934474523, PASO ROBLES, CA 93447-4523

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 6, 2017
Property Address	2843 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000000921
Map Reference	MB19 PG72
Instrument Date	Nov 30, 2016
Instrument	2017000921
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4523, PASO ROBLES, CA 93447-4523

Mortgage

Document Number	0000000922
Date	Jan 6, 2017
Instrument	2017000922

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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
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		$640,560 (+2.11%) Land $255,000 Building $385,560
2025	$7,466.00 (+35.72%) Homeowner's exemption	$627,300 (+40.38%) Land $280,500 Building $346,800
2023	$5,501.00 (+2.31%)	$446,851 Land $187,272 Building $259,579
2022	$5,377.00

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.

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