2849 Cottage Ln, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 2849 Cottage Ln, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,605 sqft · built 2005
Lot Size	0.068 acres (2,993 sqft)
Owner	Individual Name on File
Last Sale	$504,000 (Aug 2021)
Tax Bill	$6,520 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`025-802-001`

Property Details

APN / Parcel Number

Primary APN	`025-802-001`
Alternative APN	`025397016`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,605 sqft Living Area

Exterior

Year Built	Built 2005
Construction Type	Wood
Lot Area	2,993 sqft (0.068 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	025397016
Street Address	2849 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 16
Legal Tract	2376
Legal Lot Number	16
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 assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	750 CABALLO PL, PASO ROBLES, CA 93446-8764
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 6, 2021	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Jan 28, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
May 10, 2019	Grant Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	Jan 28, 2021
Deed Document Number	2021055198
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2849 COTTAGE LN, PASO ROBLES, CA 93446-6381
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	750 CABALLO PL, PASO ROBLES, CA 93446-8764

Mortgage

Document Number	0000040082
Date	Dec 30, 2025
Instrument	2025040082

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 6, 2021
Property Address	2849 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000055198
Map Reference	DOC 2002-053886
Instrument Date	Jul 20, 2021
Instrument	2021055198
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	750 CABALLO PL, PASO ROBLES, CA 93446-8764

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 28, 2021
Property Address	2849 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000006558
Instrument Date	Oct 21, 2020
Instrument	6558
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2849 COTTAGE LN PASO ROBLES CA 934466381, PASO ROBLES, CA 93446-6381

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 10, 2019
Property Address	2849 COTTAGE LN, PASO ROBLES, CA 93446-6381
Document Number	0000017245
Map Reference	MB 19 PG 72
Instrument Date	May 1, 2019
Instrument	2019017245
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FNT SLO ATASCADERO OFFICE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2849 COTTAGE LN, PASO ROBLES, CA 93446-6381

Mortgage

Document Number	0000017246
Date	May 10, 2019
Instrument	2019017246

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of July 1, 2025

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
2025	$6,520.00 (+4.3%)	$534,847 (+4.04%) Land $201,629 Building $333,218
2023	$6,251.00 (+2.21%)	$514,080 Land $193,800 Building $320,280
2022	$6,116.00

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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