3620 la Luz Rd, Atascadero, CA 93422 Property Records

San Luis Obispo County property record for 3620 la Luz Rd, Atascadero, CA 93422

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,230 sqft · built 1949
Lot Size	1.11 acres (48,787 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Mar 2020)
Tax Bill	$9,516 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`049-121-034`

Property Details

APN / Parcel Number

Primary APN	`049-121-034`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,230 sqft Living Area
1st Floor Area	3,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Construction Type	Wood
Lot Area	48,787 sqft
Terrain	Above Road/Slope
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic

Location & Zoning

Street Address	3620 LA LUZ RD
City	ATASCADERO
State	CA
Zip	93422-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	CY ATAS PM 55-33 PAR 2
Legal Subdivision	PARCEL MAP ATAL 00-102
Legal Block	2
Jurisdiction	SAN LUIS OBISPO CA
Township / Civil Division	ATASCADERO
Census Block Group	2
Census Block	2006
Census Tract	12505

Owner

3620 la Luz Rd is owned and occupied by two individuals who bought it in March 2020.

Source: San Luis Obispo County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 8, 2026	Deed of Trust, Mortgage · Line of Credit GTE FEDERAL CREDIT UNION
Sep 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage EDWARD J FERRELL ETAL
Oct 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 18, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2020 · Amount on File
Deed Sale	Mar 18, 2020 · Amount on File
Prior Sale	Apr 7, 2011 · Amount on File
Deed Document Number	202013558
Prior Transfer Date	Aug 30, 2010
Prior Transfer Doc	0000043438
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Sep 8, 2026
Property Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614
Document Number	0000028530
Instrument Date	Sep 2, 2026
Instrument	202628530
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614

Mortgage

Document Number	0000028530,
Date	Sep 8, 2026
Instrument	202628530

Lender

Name	GTE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Property Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614

Mortgage

Document Number	0000027603
Date	Sep 19, 2023
Instrument	2023027603

Lender

Name	EDWARD J FERRELL ETAL
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Oct 16, 2020
Property Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614
Document Number	0000058154
Map Reference	MB 55 PG 33
Instrument Date	Sep 2, 2020
Instrument	2020058154
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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
Relationship	Joint Tenants
Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614

Mortgage

Document Number	0000058155
Date	Oct 16, 2020
Instrument	2020058155

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Aug 13, 2020
Property Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614
Document Number	0000042641
Instrument Date	Aug 11, 2020
Instrument	42641
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3620 LA LUZ RD ATASCADERO CA 934222614, ATASCADERO, CA 93422-2614

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Mar 18, 2020
Property Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614
Document Number	0000013558
Map Reference	MB 55 PG 33
Instrument Date	Feb 21, 2020
Instrument	2020013558
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIDELITY NATIONAL TITLE CO

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	Tenants in Common
Address	3620 LA LUZ RD, ATASCADERO, CA 93422-2614

Mortgage

Document Number	0000013559
Date	Mar 18, 2020
Instrument	2020013559

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3620 la Luz Rd was $9,516 with a homeowner's exemption, up 25.8% from the year before.

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		$856,897 (+2%) Land $276,999 Building $579,898
2025	$9,516.00 (+25.79%) Homeowner's exemption	$840,096 Land $271,568 Building $568,528
2024	$7,565.00 (+8.79%)
2023	$6,954.00 (+11.94%) Homeowner's exemption	$620,878 Land $236,514 Building $384,364
2022	$6,212.00

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

Flood

FEMA maps place 3620 la Luz Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 22, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3620 la Luz Rd is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.09% 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	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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Astound Broadband, Ranch Wifi.

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