354 McCarthy Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 354 McCarthy Ave, Oceano, CA 93445

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,430 sqft · built 1989
Lot Size	0.044 acres (1,917 sqft)
Owner	Owner Name on File
Last Sale	$347,000 (Sep 2000)
Tax Bill	$5,922 (2025)
Flood Zone	Zone AE (high risk)
APN	`061-021-075`

Property Details

APN / Parcel Number

Primary APN	`061-021-075`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,430 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Construction Type	Wood
Lot Area	1,917 sqft (0.044 acres)
Terrain	Above Road/Slope
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	354 MCCARTHY AVE
City	OCEANO
State	CA
Zip	93445-9708
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RMF
Legal Description	PM 46-100 PAR 3
Legal Lot Number	2
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 061-021-075

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	1319 COSTA BRAVA, PISMO BEACH, CA 93449-3308

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Sep 28, 2000 · Amount on Record
Deed Sale	Sep 28, 2000 · Amount on Record
Prior Sale	Sep 28, 2000
Deed Document Number	2000-055749
Deed Book / Page	061
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	$5,922.00 (+4.61%)	$522,854 (+4.04%) Land $263,689 Building $259,165
2023	$5,661.00 (+1.45%)	$502,552 Land $253,450 Building $249,102
2022	$5,580.00

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 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	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 2 claims

Wildfire

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.

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.