3392 Ramona Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 3392 Ramona Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,899 sqft · built 1959
Lot Size	0.727 acres (31,663 sqft)
Owner	Individual Name on File
Last Sale	$640,000 (May 2019)
Tax Bill	$8,074 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`049-212-014`

Property Details

APN / Parcel Number

Primary APN	`049-212-014`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,899 sqft Living Area
1st Floor Area	2,899 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Construction Type	Wood
Lot Area	31,663 sqft (0.727 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3392 RAMONA RD
City	ATASCADERO
State	CA
Zip	93422-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS ATAS COL BL 18 PTN LT 19C LESS MIN RTS
Legal Subdivision	ATASCADERO COLONY
Legal Block	18
Legal Lot Number	19C
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	1
Census Block	1016
Census Tract	12602

Owner

3392 Ramona Rd is owned and occupied by an individual who bought it in May 2019.

Source: San Luis Obispo County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Nov 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COASTHILLS CU
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 25, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
May 29, 2019	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2019 · Amount on File
Deed Sale	May 29, 2019 · Amount on File
Deed Document Number	201920158
Prior Transfer Date	Feb 20, 2013
Prior Transfer Doc	0000011731
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 16, 2026
Property Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Document Number	0000029381
Instrument Date	Sep 11, 2026
Instrument	202629381
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	PLACER TITLE ER, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412

Mortgage

Document Number	0000029381,
Date	Sep 16, 2026
Instrument	202629381

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Transaction Type	Mortgage
Record Updated	Dec 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412

Mortgage

Document Number	0000045220
Date	Nov 18, 2022
Instrument	2022045220

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412

Mortgage

Document Number	0000081719
Date	Dec 15, 2021
Instrument	2021081719

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412

Mortgage

Document Number	0000060831
Date	Oct 27, 2020
Instrument	2020060831

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Document Number	0000015403
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3392 RAMONA RD ATASCADERO CA 934222412, ATASCADERO, CA 93422-2412

Mortgage

Document Number	0000015403
Date	Mar 30, 2020
Instrument	15403

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	May 29, 2019
Property Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412
Document Number	0000020158
Map Reference	MB 3 PG 19-A
Instrument Date	May 9, 2019
Instrument	2019020158
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3392 RAMONA RD, ATASCADERO, CA 93422-2412

Mortgage

Document Number	0000020159
Date	May 29, 2019
Instrument	2019020159

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3392 Ramona Rd was $8,074 with a homeowner's exemption.

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		$728,205 (+2%) Land $227,563 Building $500,642
2025	$8,074.00 Homeowner's exemption	$713,927 Land $223,101 Building $490,826
2023	$7,694.00 (+1.26%) Homeowner's exemption	$686,206 Land $214,439 Building $471,767
2022	$7,598.00

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

Flood

FEMA maps place 3392 Ramona Rd in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 3392 Ramona Rd is moderate, ranking above 54% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 54% of the US · lower than 68% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ranch Wifi.

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