San Luis Obispo County property record for 344 McCarthy Ave, Oceano, CA 93445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,597 sqft · built 1986 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,365,000 (Feb 2023) |
| Tax Bill | $15,507 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 061-021-010 |
| Primary APN | 061-021-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,597 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Construction Type | Wood |
| Lot Area | 3,000 sqft (0.069 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Street Address | 344 MCCARTHY AVE |
|---|---|
| City | OCEANO |
| State | CA |
| Zip | 93445-9708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OCEANO BCH TR BL 41 LT 37 |
| Legal Subdivision | OCEANO BEACH 02 |
| Legal Block | 41 |
| Legal Lot Number | 37 |
| Jurisdiction | SAN LUIS OBISPO CA |
| Township / Civil Division | ARROYO GRANDE |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 12201 |
Source: San Luis Obispo County records · APN 061-021-010
Assessment roll updated August 6, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 344 MCCARTHY AVE, OCEANO, CA 93445-9708 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 28, 2023 | Grant Deed, Transfer · Stand-Alone First Mortgage RUDY 1992 |
| Jul 05, 2022 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2023 · Amount on Record |
| Deed Sale | Feb 28, 2023 · Amount on Record |
| Prior Sale | Jul 05, 2022 · Amount on Record |
| Deed Document Number | 20235291 |
| Last Transfer Date | Feb 14, 2025 |
| Transfer Doc | 0000004396 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Feb 28, 2023 |
| Property Address | 344 MCCARTHY AVE, OCEANO, CA 93445-9708 |
| Document Number | 0000005291 |
| Map Reference | MB A PG 150 |
| Instrument Date | Feb 08, 2023 |
| Instrument | 2023005291 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 344 MCCARTHY AVE, OCEANO, CA 93445-9708 |
| Document Number | 0000005292 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 2023005292 |
| Name | RUDY 1992 |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN LUIS OBISPO CA |
| Recording Date | Jul 05, 2022 |
| Property Address | 344 MCCARTHY AVE, OCEANO, CA 93445-9708 |
| Document Number | 0000027737 |
| Map Reference | MB A PG 150 |
| Instrument Date | Jun 09, 2022 |
| Instrument | 2022027737 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 344 MCCARTHY AVE, OCEANO, CA 93445-9708 |
| Document Number | 0000027738 |
|---|---|
| Date | Jul 05, 2022 |
| Instrument | 2022027738 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Aug 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 10.7% |
| Index | Other |
| Max Rate | 10.7% |
Source: San Luis Obispo County records · Assessment roll updated August 6, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | California |
| County | San Luis Obispo County |
| Unified School District | Lucia Mar Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $15,507.00 (+38.22%) | $1,420,146 (+38.55%) Land $806,310 Building $613,836 |
| 2023 | $11,219.00 (+176.94%) | $1,025,000 Land $650,000 Building $375,000 |
| 2022 | $4,051.00 |
Source: FEMA National Flood Hazard Layer, San Luis Obispo County (06079C), updated July 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060790122012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 258 locations within half a mile · 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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