318 McCarthy Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 318 McCarthy Ave, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,765 sqft · built 1986
Lot Size	0.08 acres (3,500 sqft)
Owner	Owner Name on File
Last Sale	$215,000 (Feb 1994)
Tax Bill	$4,607 (2025)
Flood Zone	Zone X (moderate risk)
APN	`061-021-006`

Property Details

APN / Parcel Number

Primary APN	`061-021-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,765 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Construction Type	Wood
Lot Area	3,500 sqft (0.08 acres)
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	318 MCCARTHY AVE
City	OCEANO
State	CA
Zip	93445-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	OCEANO BCH TR BL 41 LT 31
Legal Subdivision	OCEANO BEACH 02
Legal Block	41
Legal Lot Number	31
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ARROYO GRANDE
Census Block Group	2
Census Block	2073
Census Tract	12201

Owner

Source: San Luis Obispo County records · APN 061-021-006

Assessment roll updated July 1, 2025 · Last verified October 2025

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

Owner of Record	Owner Name on File
Mailing Address	318 MCCARTHY AVE, OCEANO, CA 93445-9708
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 18, 1994 · Amount on Record
Deed Sale	Feb 18, 1994 · Amount on Record
Prior Sale	Jul 20, 1999
Deed Document Number	0000010542
Deed Book / Page	061
Last Transfer Date	Jul 23, 1999
Transfer Doc	0000053528
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: San Luis Obispo County records · Assessment roll updated July 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value
2025	$4,607.00 (+4.73%) Homeowner's exemption	$406,762 (+4.04%) Land $220,943 Building $185,819
2023	$4,399.00 (+1.45%) Homeowner's exemption	$390,968 Land $212,364 Building $178,604
2022	$4,336.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 22, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

May also be available: Peak WiFi, Radiate Holdings, Verizon.

Based on FCC filings for 258 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OCEANO COMM SERVICES DIST. serves 7,598 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.