2921 Cottage Ln, Paso Robles, CA 93446 Property Records

San Luis Obispo County property record for 2921 Cottage Ln, Paso Robles, CA 93446

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,339 sqft · built 2003
Lot Size	0.073 acres (3,169 sqft)
Owner	2 Company Names on Record
Last Sale	$351,000 (Nov 2005)
Tax Bill	$5,831 (2025)
Deeds & Mortgages	Nov 2025 Transfer Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`025-803-045`

Property Details

APN / Parcel Number

Primary APN	`025-803-045`
Alternative APN	`025397085`

Interior

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

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	3,169 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	2921 COTTAGE LN
City	PASO ROBLES
State	CA
Zip	93446-6382
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CY PR TR 2376 LT 85
Legal Subdivision	TRACT NO 2376
Legal Tract	2376
Legal Block	1
Legal Lot Number	85
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	PASO ROBLES
Census Block Group	1
Census Block	1036
Census Tract	10207

Owner

Source: San Luis Obispo County records, as of August 26, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Intrafamily Transfer, Transfer
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Dec 10, 2019	Quit Claim Deed, Transfer PROVIDENT TITLE
Dec 10, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2005 · Amount on Record
Deed Sale	Nov 15, 2005 · Amount on Record
Deed Document Number	200595769
Last Transfer Date	Dec 2, 2019
Transfer Doc	0000055221
Record Updated	Oct 29, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 20, 2025
Property Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Document Number	0000035864
Map Reference	MB 19 PG 72
Instrument Date	Nov 10, 2025
Instrument	2025035864
Transaction Type	Transfer
Record Updated	Jan 6, 2026

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
Relationship	Revocable Trust
Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROVIDENT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030747
Date	Jun 22, 2020
Instrument	2020030747

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROVIDENT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382

Mortgage

Document Number	0000003893
Date	Jan 20, 2021
Instrument	2021003893

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 10, 2019
Property Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Document Number	0000055220
Instrument Date	Dec 2, 2019
Instrument	55220
Transaction Type	Transfer
Record Updated	Dec 23, 2019
Title Company	PROVIDENT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2921 COTTAGE LN PASO ROBLES CA 934466382, PASO ROBLES, CA 93446-6382

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 10, 2019
Property Address	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Document Number	0000055221
Map Reference	DOC 02-53886
Instrument Date	Dec 2, 2019
Instrument	2019055221
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PROVIDENT 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	2921 COTTAGE LN, PASO ROBLES, CA 93446-6382
Investor	Possibly a Property Investor

Mortgage

Document Number	0000055222
Date	Dec 10, 2019
Instrument	2019055222

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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		$489,243 (+2%) Land $209,077 Building $280,166
2025	$5,831.00 (+4.48%) Homeowner's exemption	$479,651 (+4.04%) Land $204,978 Building $274,673
2023	$5,581.00 (+2.31%) Homeowner's exemption	$461,027 Land $197,019 Building $264,008
2022	$5,455.00

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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