2995 Ardilla Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 2995 Ardilla Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,065 sqft · built 1990
Lot Size	2.5 acres (108,900 sqft)
Owner	Company Name on File
Last Sale	$830,000 (Mar 2018)
Tax Bill	$12,112 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jan 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`049-331-026`

Property Details

APN / Parcel Number

Primary APN	`049-331-026`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	4,065 sqft Living Area
1st Floor Area	4,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	108,900 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2995 ARDILLA RD
City	ATASCADERO
State	CA
Zip	93422-1821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS TR 1057 LT 11
Legal Subdivision	TRACT 1057
Legal Tract	1057
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	2
Census Block	2016
Census Tract	12706

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Intrafamily Transfer, Transfer
Jan 4, 2024	Intrafamily Transfer, Transfer
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit AMERICAN RIVER BANK
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Mar 20, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2018 · Amount on File
Deed Sale	Mar 20, 2018 · Amount on File
Prior Sale	May 24, 2000 · Amount on File
Deed Document Number	201810849
Last Transfer Date	Nov 29, 2023
Transfer Doc	0000000254
Record Updated	Oct 29, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 4, 2024
Property Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Document Number	0000000252
Map Reference	MB 15 PG 2
Instrument Date	Nov 29, 2023
Instrument	2024000252
Transaction Type	Transfer
Record Updated	Jan 16, 2024

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	2995 ARDILLA RD, ATASCADERO, CA 93422-1821

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jan 4, 2024
Property Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Document Number	0000000254
Map Reference	MB 15 PG 2
Instrument Date	Nov 29, 2023
Instrument	2024000254
Transaction Type	Transfer
Record Updated	Jan 16, 2024

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	2995 ARDILLA RD, ATASCADERO, CA 93422-1821

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027708
Date	Jun 8, 2020
Instrument	2020027708

Lender

Name	AMERICAN RIVER BANK
Type	Bank
Address	SANTA BARBARA, CA 93101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012803
Date	Mar 16, 2020
Instrument	2020012803

Lender

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

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821

Mortgage

Document Number	0000053629
Date	Sep 28, 2020
Instrument	2020053629

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

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

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 20, 2018
Property Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821
Document Number	0000010849
Map Reference	MB15 PG2
Instrument Date	Mar 8, 2018
Instrument	2018010849
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2995 ARDILLA RD, ATASCADERO, CA 93422-1821

Mortgage

Document Number	0000010850
Date	Mar 20, 2018
Instrument	2018010850

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

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		$1,081,637 (+2%) Land $290,143 Building $791,494
2025	$12,112.00 (+4.89%)	$1,060,429 (+4.04%) Land $284,454 Building $775,975
2023	$11,547.00 (+1.25%)	$1,019,253 Land $273,409 Building $745,844
2022	$11,404.00

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 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

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

Wildfire Risk	Moderate above 67% of the US · above 41% of California
Wildfire Likelihood	0.3% 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	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 55 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
Ranch Wifi Fixed Wireless	100 / 20

May also be available: T-Mobile.

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