2870 Ferrocarril Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 2870 Ferrocarril Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 2000
Lot Size	1.91 acres (83,635 sqft)
Owner	2 Individual Names on File
Last Sale	$236,500 (Oct 2000)
Tax Bill	$4,399 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-023-028`

Property Details

APN / Parcel Number

Primary APN	`049-023-028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
1st Floor Area	1,840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	83,635 sqft
Terrain	Below Road/Slope
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2870 FERROCARRIL RD
City	ATASCADERO
State	CA
Zip	93422-1549
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS ATAS COL BL 20 LT 43
Legal Subdivision	ATASCADERO COLONY
Legal Block	20
Legal Lot Number	43
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1051
Census Tract	12505

Owner

2870 Ferrocarril Rd is owned and occupied by two individuals who acquired it in May 2018.

Source: San Luis Obispo County records, as of August 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2870 FERROCARRIL RD, ATASCADERO, CA 93422-1549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 9, 2020	Deed of Trust, Mortgage · Conventional with PMI JMAC LENDING
Jul 6, 2018	Quit Claim Deed, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2000 · Amount on File
Deed Sale	Oct 5, 2000 · Amount on File
Deed Document Number	200057514
Last Transfer Date	May 21, 2018
Transfer Doc	0000027787
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2870 FERROCARRIL RD, ATASCADERO, CA 93422-1549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037636
Date	Sep 9, 2019
Instrument	2019037636

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2870 FERROCARRIL RD, ATASCADERO, CA 93422-1549
Document Number	0000018189
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2870 FERROCARRIL RD ATASCADERO CA 934221549, ATASCADERO, CA 93422-1549

Mortgage

Document Number	0000018189
Date	Apr 15, 2020
Instrument	18189

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 6, 2018
Property Address	2870 FERROCARRIL RD, ATASCADERO, CA 93422-1549
Document Number	0000027787
Instrument Date	May 21, 2018
Instrument	27787
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	FIDELITY NATIONAL TITLE

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	2870 FERROCARRIL RD ATASCADERO CA 934221549, ATASCADERO, CA 93422-1549

Mortgage

Document Number	27788
Date	Jul 6, 2018
Instrument	27788

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2870 Ferrocarril Rd was $4,399.

Source: San Luis Obispo County assessment roll, as of August 6, 2026

Property Jurisdictions

Type	Name
State	California
Municipality	Atascadero City
County	San Luis Obispo County
Unified School District	Atascadero Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$485,872 (+26.15%) Land $122,946 Building $362,926
2025	$4,399.00	$385,146 Land $120,536 Building $264,610
2023	$3,880.00 (+1.25%)	$342,510 Land $115,856 Building $226,654
2022	$3,832.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2870 Ferrocarril Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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 File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 2870 Ferrocarril Rd is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 66% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATASCADERO MUTUAL WATER CO private · serves 33,307 people · EPA ID CA4010002
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2018) action level 1.3 mg/L

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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Astound Broadband, Ranch Wifi.

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