364 McCarthy Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 364 McCarthy Ave, Oceano, CA 93445

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.099 acres (4,300 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (Nov 2021)
Tax Bill	$5,466 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`061-021-066`

Property Details

APN / Parcel Number

Primary APN	`061-021-066`

Exterior

Lot Area	4,300 sqft (0.099 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Street Address	364 MCCARTHY AVE
City	OCEANO
State	CA
Zip	93445
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	TN OCEANO OCEANO BCH SB 2BL 41 LT 43 & PTN LT 44
Legal Subdivision	OCEANO BEACH 02
Legal Block	2
Legal Lot Number	43,44
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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1151 PIKE LN, 6, OCEANO, CA 93445-9476
Owner Type	Company
Vesting	Corporation

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE
Nov 18, 2021	Grant Deed, Transfer · Commercial Mortgage RICK D NISBETT FAMILY TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2021 · Amount on Record
Deed Sale	Nov 18, 2021 · Amount on Record
Prior Sale	Jun 3, 2014 · Amount on Record
Deed Document Number	202176794
Prior Transfer Date	Jun 26, 2006
Prior Transfer Doc	0000047847
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Jun 3, 2026
Property Address	364 MCCARTHY AVE, OCEANO, CA 93445
Document Number	0000017289
Instrument Date	Jun 2, 2026
Instrument	202617289
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	364 MCCARTHY AVE, OCEANO, CA 93445

Mortgage

Document Number	0000017289,
Date	Jun 3, 2026
Instrument	202617289

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN LUIS OBISPO CA
Recording Date	Nov 18, 2021
Property Address	364 MCCARTHY AVE, OCEANO, CA 93445-9708
Document Number	0000076794
Map Reference	MB A PG 150
Instrument Date	Oct 21, 2021
Instrument	2021076794
Transaction Type	Transfer
Record Updated	Nov 26, 2021
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	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1151 PIKE LN STE 6, 6, OCEANO, CA 93445-9476

Mortgage

Document Number	0000076795
Date	Nov 18, 2021
Instrument	2021076795

Lender

Name	RICK D NISBETT FAMILY TRUST
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Luis Obispo County assessment roll, as of August 6, 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

Year	Tax Bill	Assessed Value
2025	$5,466.00 (+25.74%)	$511,083 (+25.27%) Land $424,483 Building $86,600
2023	$4,347.00 (+1.52%)	$408,000 Land $408,000
2022	$4,282.00

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

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 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

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 99.1% of the US · lower than 99.2% 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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