324 McCarthy Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 324 McCarthy Ave, Oceano, CA 93445

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,368 sqft · built 1978
Lot Size	0.069 acres (3,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (Apr 2023)
Tax Bill	$12,006 (2025)
Deeds & Mortgages	Apr 2023 Transfer Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`061-021-062`

Property Details

APN / Parcel Number

Primary APN	`061-021-062`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Wood
Lot Area	3,000 sqft (0.069 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	324 MCCARTHY AVE
City	OCEANO
State	CA
Zip	93445-9708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCEANO BCH SB 2 BL 41 LT 32
Legal Subdivision	OCEANO BEACH 02
Legal Block	41
Legal Lot Number	32
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, as of August 6, 2026

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
Mailing Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Intrafamily Transfer, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY
Apr 27, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 20, 2021	Deed of Trust, Mortgage · Line of Credit COASTHILLS CU
Aug 6, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on Record
Deed Sale	Apr 27, 2023 · Amount on Record
Deed Document Number	202311508
Prior Transfer Date	Apr 24, 2023
Prior Transfer Doc	0000011509
Record Updated	Sep 20, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 27, 2023
Property Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708
Document Number	0000011509
Map Reference	MB A PG 150
Instrument Date	Apr 24, 2023
Instrument	2023011509
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	FIRSTAMERICAN 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	324 MCCARTHY AVE, OCEANO, CA 93445-9708

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Apr 27, 2023
Property Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708
Document Number	0000011508
Map Reference	MB A PG 150
Instrument Date	Apr 4, 2023
Instrument	2023011508
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708

Mortgage

Document Number	0000011510
Date	Apr 27, 2023
Instrument	2023011510

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	FIRST AMERICAN TITLE FRESNO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708

Mortgage

Document Number	0000050960
Date	Jul 20, 2021
Instrument	2021050960

Lender

Name	COASTHILLS CU
Type	Credit Union
Address	SANTA MARIA, CA 93454

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 15, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 6, 2018
Property Address	324 MCCARTHY AVE, OCEANO, CA 93445-9708
Document Number	0000032497
Instrument Date	May 29, 2018
Instrument	32497
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	324 MCCARTHY AVE OCEANO CA 934459708, OCEANO, CA 93445-9708

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,114,267 (+2%) Land $610,194 Building $504,073
2025	$12,006.00 (+361.95%)	$1,092,420 (+392.6%) Land $598,230 Building $494,190
2023	$2,599.00 (+1.4%) Homeowner's exemption	$221,765 Land $96,234 Building $125,531
2022	$2,563.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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

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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