384 McCarthy Ave, Oceano, CA 93445 Property Records

San Luis Obispo County property record for 384 McCarthy Ave, Oceano, CA 93445 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,953 sqft · built 1996
Lot Size	0.096 acres (4,200 sqft)
Owner	2 Company Names on File
Tax Bill	$5,904 (2025)
Flood Zone	Zone AE (high risk)
APN	`061-021-046`

Property Details

APN / Parcel Number

Primary APN	`061-021-046`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,953 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Construction Type	Wood
Lot Area	4,200 sqft (0.096 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Septic

Location & Zoning

Street Address	384 MCCARTHY AVE
City	OCEANO
State	CA
Zip	93445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OCEANO BCH TR BL 41 LT 48 & W 12 FT OF LT 49
Legal Subdivision	OCEAN BEACH 02
Legal Block	41
Legal Lot Number	48,49
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 061-021-046

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	2 Company Names on File
Mailing Address	10549 N INVERARY LN, FRESNO, CA 93730-3583
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 04, 2019
Deed Sale	Jun 04, 2019
Prior Sale	May 01, 2007
Deed Document Number	2019021115
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	$5,904.00 (+4.63%)	$521,128 (+4.04%) Land $233,751 Building $287,377
2023	$5,643.00 (+1.44%)	$500,894 Land $224,675 Building $276,219
2022	$5,563.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 33 individual NFIP policies nearby
Nearby Flood Policies	89 units insured (56 under condo master policies) 16 of 33 individual policies on primary residences
Nearby Flood Claims	2 (2010)
Most Recent Claim	Dec 2010, rainfall accumulation, Severe Winter Storms, Flooding, And Debris And Mud Flows
Flood Events	Severe Winter Storms, Flooding, And Debris And Mud Flows (Dec 2010), 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.