315 McCarthy Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 315 McCarthy Ave, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,806 sqft · built 2020
Lot Size	0.063 acres (2,760 sqft)
Owner	Individual Name on Record
Last Sale	$1,600,000 (Jul 2022)
Tax Bill	$18,044 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`061-012-033`

Property Details

APN / Parcel Number

Primary APN	`061-012-033`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,806 sqft Living Area

Exterior

Year Built	Built 2020
Construction Type	Wood
Lot Area	2,760 sqft (0.063 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	315 MCCARTHY AVE
City	OCEANO
State	CA
Zip	93445-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCEANO BCH TR BL 42 LT 20
Legal Subdivision	OCEANO BEACH SUB 2
Legal Block	42
Legal Lot Number	20
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2074
Census Tract	12201

Owner

Source: San Luis Obispo County records, as of September 29, 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 Record
Co-owner	Co-owner on Record
Mailing Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 8, 2022	Grant Deed, Transfer · Conventional Mortgage ZB NA
Nov 27, 2019	Quit Claim Deed, Transfer PUBLIC TITLE COMPANY, PUBLIC TITLE CO
Nov 16, 2018	Grant Deed, Transfer PLACER TITLE COMPANY, PLACER TITLE CO.
Jul 31, 2018	Grant Deed, Transfer FIDELITY NATIONAL TITLE
Dec 28, 2017	Quit Claim Deed, Transfer Quitclaim
Dec 28, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Nov 27, 2019
Deed Document Number	2022028287
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707

Mortgage

Document Number	0000066605
Date	Oct 1, 2021
Instrument	2021066605

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 8, 2022
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Document Number	0000028287
Map Reference	MB A PG 150
Instrument Date	Jun 14, 2022
Instrument	2022028287
Transaction Type	Transfer
Record Updated	Jul 18, 2022
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707

Mortgage

Document Number	0000028288
Date	Jul 8, 2022
Instrument	2022028288

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 27, 2019
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Document Number	0000053424
Instrument Date	Sep 3, 2019
Instrument	53424
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	PUBLIC TITLE COMPANY, PUBLIC TITLE CO

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	1375 E GRAND AVE #103/137 ARROYO GRANDE CA 934202421, 103/13, ARROYO GRANDE, CA 93420-2421

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 16, 2018
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Document Number	0000047584
Instrument Date	Oct 22, 2018
Instrument	47584
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$233.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1375 E GRAND AVE #103/137 ARROYO GRANDE CA 934202421, 103/13, ARROYO GRANDE, CA 93420-2421

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jul 31, 2018
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Document Number	0000031464
Instrument Date	Jul 20, 2018
Instrument	31464
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$209.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7275 ELK RUN WAY MOORPARK CA 930215048, MOORPARK, CA 93021-5048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 28, 2017
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Document Number	0000059504
Instrument Date	Dec 22, 2017
Instrument	59504
Transaction Type	Transfer
Record Updated	Jan 8, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7210 JORDAN AVE #B16 CANOGA PARK CA 913031223, B16, CANOGA PARK, CA 91303-1223

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Dec 28, 2017
Property Address	315 MCCARTHY AVE, OCEANO, CA 93445-9707
Document Number	0000059503
Instrument Date	Dec 21, 2017
Instrument	59503
Transaction Type	Transfer
Record Updated	Jan 8, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17107 HORACE ST GRANADA HILLS CA 913444906, GRANADA HILLS, CA 91344-4906

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
Unified School District	Lucia Mar Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$18,044.00 (+4.53%) Homeowner's exemption	$1,664,640 (+4.04%) Land $936,360 Building $728,280
2023	$17,262.00 (+138.46%) Homeowner's exemption	$1,600,000 Land $900,000 Building $700,000
2022	$7,239.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 33 individual policies
Nearby Flood Policies	89 units insured incl. 56 condo units
Nearby Flood Claims	2 (2010)
Most Recent Claim	Dec 2010 · Severe Winter Storms, Flooding, And Debris And Mud Flows
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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	OCEANO COMM SERVICES DIST. serves 7,598 people · EPA ID CA4010005
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2024–2026) 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Peak WiFi, Verizon.

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