2905 Ferrocarril Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 2905 Ferrocarril Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,986 sqft · built 2000
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Last Sale	$694,000 (Jul 2015)
Tax Bill	$9,304 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`049-022-008`

Property Details

APN / Parcel Number

Primary APN	`049-022-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,986 sqft Living Area
1st Floor Area	1,986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Wood
Lot Area	97,139 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2905 FERROCARRIL RD
City	ATASCADERO
State	CA
Zip	93422-1585
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS ATAS COL BL 20 LT 3
Legal Subdivision	ATASCADERO COLONY
Legal Block	20
Legal Lot Number	3
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1049
Census Tract	12505

Owner

2905 Ferrocarril Rd is owned and occupied by two individuals who acquired it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585
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
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit THE GOLDEN 1 CU
May 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Oct 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Oct 22, 2018	Quit Claim Deed, Transfer · Conventional Mortgage OPES ADVISORS
Sep 29, 2017	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on File
Deed Sale	Jul 2, 2015 · Amount on File
Prior Sale	Jun 1, 2007 · Amount on File
Deed Document Number	201532736
Last Transfer Date	Nov 12, 2024
Transfer Doc	0000034904
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585

Mortgage

Document Number	0000080309
Date	Dec 8, 2021
Instrument	2021080309

Lender

Name	THE GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016503
Date	May 6, 2019
Instrument	2019016503

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 15, 2020
Property Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585
Document Number	0000057692
Map Reference	MB 3 PG 22A
Instrument Date	Jul 8, 2020
Instrument	2020057692
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN 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	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585

Mortgage

Document Number	0000057693
Date	Oct 15, 2020
Instrument	2020057693

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 22, 2018
Property Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585
Document Number	0000044183
Instrument Date	Oct 5, 2018
Instrument	44183
Transaction Type	Transfer
Record Updated	Nov 1, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2905 FERROCARRIL RD ATASCADERO CA 934221585, ATASCADERO, CA 93422-1585

Mortgage

Document Number	44184
Date	Oct 22, 2018
Instrument	44184

Lender

Name	OPES ADVISORS
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2905 FERROCARRIL RD, ATASCADERO, CA 93422-1585
Document Number	0000045763
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2905 FERROCARRIL RD ATASCADERO CA 934221585, ATASCADERO, CA 93422-1585

Mortgage

Document Number	0000045763
Date	Oct 11, 2017
Instrument	45763

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2905 Ferrocarril Rd was $9,304 with a homeowner's exemption.

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		$837,977 (+2%) Land $332,052 Building $505,925
2025	$9,304.00 Homeowner's exemption	$821,547 Land $325,542 Building $496,005
2023	$8,866.00 (+1.27%) Homeowner's exemption	$789,647 Land $312,901 Building $476,746
2022	$8,755.00

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

Flood

FEMA maps place 2905 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 2905 Ferrocarril Rd is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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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